Table 3 Logistic regression analysis on factors explaining WTP (willingness to pay) the private fee (EUR 80 or more) in a hypothetical situation which required immediate treatment of a lost filling; middle aged adults living in the capital area in Finland
From: Willingness and ability to pay for unexpected dental expenses by Finnish adults
Reference level | Coef. | Std.Err. | z | P > |z| | 95% C.I. lower | 95% C.I. upper | Marg.eff (%) | |
|---|---|---|---|---|---|---|---|---|
Explanatory variable, class | ||||||||
Gender, male | Female | -0.069 | 0.202 | -0.340 | 0.732 | -0.465 | 0.327 | 4.960 |
Basic education, Comprehensive school | Matriculation | -0.303 | 0.248 | -1.220 | 0.222 | -0.790 | 0.183 | -7.429 |
Professional training, Vocational qualification, school level | University or corresp. school level | -0.265 | 0.365 | -0.730 | 0.468 | -0.980 | 0.450 | -6.460 |
Professional training, Vocational qualification, technical college | University or corresp. school level | -0.275 | 0.244 | -1.130 | 0.258 | -0.753 | 0.202 | -6.745 |
Working situation, at work | Off work | 0.116 | 0.306 | 0.380 | 0.706 | -0.485 | 0.716 | 2.832 |
Professional status, entrepreneur | Upper clerical employee | 0.502 | 0.351 | 1.430 | 0.152 | -0.185 | 1.189 | 12.488 |
Professional status, lower clerical employee | Upper clerical employee | -0.141 | 0.263 | -0.530 | 0.593 | -0.657 | 0.375 | -3.448 |
Professional status, worker | Upper clerical employee | -0.246 | 0.315 | -0.780 | 0.436 | -0.863 | 0.372 | -5.990 |
Professional status, other | Upper clerical employee | 1.400 | 0.642 | 2.180 | 0.029 | 0.141 | 2.659 | 32.413 |
Professional status, student | Upper clerical employee | 0.748 | 1.148 | 0.650 | 0.514 | -1.501 | 2.998 | 27.013 |
Yearly income, 10 k-25 k | <10 k | 0.548 | 0.493 | 1.110 | 0.266 | -0.418 | 1.513 | 13.547 |
Yearly income, 25 k-50 k | <10 k | 1.254 | 0.514 | 2.440 | 0.015 | 0.247 | 2.261 | 30.027 |
Yearly income, >50 k | <10 k | 1.893 | 0.578 | 3.280 | 0.001 | 0.761 | 3.025 | 42.957 |
Previous visit, public | Private | -1.557 | 0.281 | -5.540 | 0.000 | -2.108 | -1.007 | 4.921 |
Previous visit, elsewhere | Private | -0.995 | 0.190 | -5.230 | 0.000 | -1.368 | -0.623 | 4.395 |
Current need, yes | No | -1.158 | 0.654 | -1.770 | 0.076 | -2.439 | 0.123 | 10.645 |
Current need, don't know | No | -1.295 | 0.375 | -3.460 | 0.001 | -2.030 | -0.561 | 6.050 |
Benefit from reform, yes lot | No benefit | 0.073 | 0.315 | 0.230 | 0.817 | -0.544 | 0.689 | 7.789 |
Benefit from reform, yes little | No benefit | 0.461 | 0.210 | 2.200 | 0.028 | 0.050 | 0.871 | 5.159 |
Benefit from reform, don't know | No benefit | 0.710 | 0.402 | 1.770 | 0.077 | -0.078 | 1.497 | 17.547 |
Birth year, 1948 | 1960 | -0.110 | 0.289 | -0.380 | 0.704 | -0.677 | 0.457 | 7.066 |
Birth year, 1954 | 1960 | -0.479 | 0.275 | -1.740 | 0.082 | -1.019 | 0.061 | 6.472 |
Birth year, 1957 | 1960 | 0.078 | 0.273 | 0.280 | 0.776 | -0.458 | 0.614 | 6.758 |
Previous visit, within 24 months | Within last 12 months | -0.121 | 0.266 | -0.460 | 0.648 | -0.643 | 0.400 | -2.969 |
Previous visit, more than 24 months | Within last 12 months | -0.290 | 0.372 | -0.780 | 0.436 | -1.018 | 0.439 | 8.736 |
Previous visit, more than 60 months | Within last 12 months | -1.024 | 0.715 | -1.430 | 0.152 | -2.425 | 0.376 | 12.506 |
Same dentist, >0 years | 0 | 0.061 | 0.296 | 0.210 | 0.835 | -0.519 | 0.641 | 7.246 |
Constant | -0.199 | 0.616 | -0.320 | 0.747 | -1.407 | 1.009 | N/A | |