One group of three plans drops the deductible entirely for retired employees.

Another group of three plans sets the deductible at $50 per calendar year for retired employees; for active employees it depends on salary ($50-$75, $50-$125 and $50-$150, respectively.'

Four plans do not apply the deductible for active employees to in-hospital expenses, except at retirement and three increase it as well. In these three plans the deductible for retired employees is $100 per calendar year; for active employees, $50 per calendar year (for nonhospital expenses). The fourth retains the $50 per calendar year deductible but applies it to all types of expenses for retired employees.

The $50 deductible per calendar year for active employees in the remaining plan is increased to $100 for retired employees; the deductible applies to all types of medical expense.

Coinsurance

Of the 37 plans that reduce benefits at retirement, 17 change the coinsurance feature.

Three other plans that base the deductible for active employees on salary continue this arrangement for pensioners, except that "salary" is the amount of pension.

100 of 1st 7 days 80 of excess

100 of all expenses

The other four plans are variations of this pattern. For example, in one plan 100% of the first $500 of hospital charges are paid for active employees, but only the first $250, for pensioners; the plan pays 80% of all other expenses to both active and pensioned employees. In another plan 75% of all expenses are paid for active employees but only 50%, for retired employees. The last two plans pay 100% of the first $500 of all expenses for active employees and 75% of the excess; for pensioners, 75% of all expenses.