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Table 3 Factors associated with utilization of outpatient health services

From: The association between health insurance status and utilization of health services in rural Northern Ghana: evidence from the introduction of the National Health Insurance Scheme

Variable

 

Outpatient health services

Categories

% Utilized

Unadjusted OR (95% CI)

Adjusted OR (95% CI)

Health insurance status

Insured

7.9

2.06 (1.9–2.3)

2.51 (2.3–2.8)b

Uninsured

3.9

1

1

Age

0–4

14.3

4.11(3.7–4.6)

2.72 (2.2–3.3)b

5–17

4.5

1.17 (1.0–1.3)

1.19 (1.0–1.4)

18–34

3.9

1

1

35–59

6.9

1.85 (1.7–2.1)

1.55 (1.4–1.8)b

60–69

8.9

2.39 (2.1–2.8)

1.75 (1.4–2.1)b

70+ (aged)

9.8

2.67 (2.3–3.1)

1.67 (1.3–2.1)b

Gender

Male

5.6

1

1

Female

7.2

1.31 (1.2–1.4)

1.21 (1.1–1.3)b

Educational level

No education

7.2

1.29 (1.0–1.6)

1.01 (0.8–1.3)

Primary

4.4

0.77 (0.6–0.9)

0.93 (0.7–1.2)

Secondary

5.7

0.91 (0.7–1.1)

1.12 (0.9–1.5)

Tertiary

10.2

1

1

Below school going agea

10.2

1.88 (1.5–2.3)

1.2 (0.9–1.7)

Religion

Traditional & other

6.4

1.10 (0.94–1.29)

NS

Christianity

6.5

1.10 (0.9–1.3)

NS

Islam

5.9

1

NS

Ethnicity

Kasem

5.9

1

1

Nankam

6.5

1.09 (1.0–1.2)

1.33 (1.2–1.5)b

Buli

12.5

2.24 (1.9–2.7)

2.91 (2.4–3.6)b

Other

7.5

1.27 (1.0–16)

0.98 (0.8–1.3)

Location

Rural

6.2

1

1

Urban

7.9

1.28 (1.2–1.4)

1.29 (1.1–1.5)b

Household size

1 member

10.7

1.83 (1.5–2.2)

1.36 (1.1–1.8)b

2–4 members

7.2

1.19 (1.1–1.3)

1.36 (1.1–1.8)b

5+ members

6.1

1

1

Socio-economic status

Poorest

6.3

1

1

Poorer

6.1

0.96 (0.9–1.1)

0.97 (0.9–1.1)

Poor

6.2

0.98 (0.9–1.1)

1.10 (0.9–1.2)

Less poor

6.3

1.00 (0.9–1.1)

1.04 (0.9–1.2)

Least poor

7.7

1.24 (1.1–1.4)

1.23 (1.0–1.4)

Recent illness or injury

Yes

42.9

34.14 (31.3–37.2)

32.4 (29.4–35.8)b

No

3.8

1

1

Self-assessed health status

Poor or very poor

25.8

5.49 (6.5–8.9)

2.08 (1.7–2.5)b

Good or very good

5.9

1

1

Don’t know

5.2

0.87 (0.62–1.2)

0.89 (0.6–1.3)

Chronic medication

Yes

32.9

7.58 (6.5–8.9)

2.79 (2.2–3.5)b

No

93.9

1

1

Don’t Know

7.4

1.2 (0.6–2.4)

0.82 (0.3–1.9)

  1. The reference group for the calculation of the odds ratio (OR) is indicated by one
  2. NS not significant in both bivariate and multivariate analyses
  3. aRepresenting infants who have not yet attained school going age in order to be in school
  4. bSignificant in multivariate analyses