Table 4.
Ordered logistic regression analysis on factors explaining ability to pay for unexpected dental expenses at short notice; middle aged adults living in the capital area in Finland
| Expl. Variable, ATP (Ability to pay) | Ref. level | Coef. | Std.Err. | z | P > |z| | 95% C.I. lower | 95% C.I. upper |
|---|---|---|---|---|---|---|---|
| Gender, male |
Female |
0.433 |
0.166 |
2.620 |
0.009 |
0.109 |
0.758 |
| Basic education, Comprehensive school |
Matriculation |
-0.203 |
0.198 |
-1.030 |
0.305 |
-0.591 |
0.185 |
| Professional training, Vocational qualification,school level |
University or corresp. school level |
-0.381 |
0.287 |
-1.330 |
0.184 |
-0.942 |
0.181 |
| Professional training, Vocational qualification, technical college |
University or corresp. school level |
-0.254 |
0.207 |
-1.230 |
0.220 |
-0.659 |
0.152 |
| Working situation, at work |
Off work |
0.019 |
0.240 |
0.080 |
0.938 |
-0.451 |
0.488 |
| Professional status, entrepreneur |
Upper clerical employee |
0.349 |
0.297 |
1.180 |
0.239 |
-0.233 |
0.932 |
| Professional status, lower clerical employee |
Upper clerical employee |
-0.271 |
0.221 |
-1.220 |
0.221 |
-0.703 |
0.162 |
| Professional status, worker |
Upper clerical employee |
-0.421 |
0.254 |
-1.660 |
0.097 |
-0.919 |
0.076 |
| Professional status, other |
Upper clerical employee |
0.524 |
0.472 |
1.110 |
0.267 |
-0.401 |
1.449 |
| Professional status, student |
Upper clerical employee |
0.953 |
0.970 |
0.980 |
0.326 |
-0.949 |
2.855 |
| Yearly income, 10 k-25 k |
<10 k |
0.843 |
0.361 |
2.330 |
0.020 |
0.135 |
1.552 |
| Yearly income, 25 k-50 k |
<10 k |
1.717 |
0.391 |
4.390 |
0.000 |
0.951 |
2.483 |
| Yearly income, >50 k |
<10 k |
2.738 |
0.464 |
5.900 |
0.000 |
1.828 |
3.648 |
| Previous visit, public |
Private |
-0.413 |
0.205 |
-2.020 |
0.044 |
-0.814 |
-0.011 |
| Previous visit, else |
Private |
-0.978 |
0.443 |
-2.210 |
0.027 |
-1.846 |
-0.110 |
| Current need, yes |
No |
-0.498 |
0.161 |
-3.090 |
0.002 |
-0.813 |
-0.182 |
| Current need, don't know |
No |
-0.624 |
0.295 |
-2.120 |
0.034 |
-1.202 |
-0.047 |
| Benefit from reform, yes lot |
No benefit |
-0.057 |
0.246 |
-0.230 |
0.816 |
-0.539 |
0.424 |
| Benefit from reform, yes little |
No benefit |
0.041 |
0.174 |
0.230 |
0.815 |
-0.300 |
0.382 |
| Benefit from reform, don't know |
No benefit |
-0.193 |
0.310 |
-0.620 |
0.534 |
-0.802 |
0.415 |
| Birth year, 1948 |
1960 |
0.060 |
0.237 |
0.250 |
0.801 |
-0.406 |
0.525 |
| Birth year, 1954 |
1960 |
-0.045 |
0.221 |
-0.200 |
0.838 |
-0.477 |
0.387 |
| Birth year, 1957 |
1960 |
0.118 |
0.225 |
0.530 |
0.599 |
-0.323 |
0.559 |
| Previous visit, within 24 months |
Within last 12 months |
-0.411 |
0.212 |
-1.940 |
0.052 |
-0.826 |
0.004 |
| Previous visit, more than 24 months |
Within last 12 months |
0.208 |
0.293 |
0.710 |
0.477 |
-0.366 |
0.782 |
| Previous visit, more than 60 months |
Within last 12 months |
-0.154 |
0.473 |
-0.330 |
0.744 |
-1.082 |
0.773 |
| Same dentist, >0 years | 0 years | 0.648 | 0.216 | 3.000 | 0.003 | 0.225 | 1.071 |