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Table 4 Regression results for the financial burden due to OOP payments

From: Forgone care and financial burden due to out-of-pocket payments within the German health care system

 

Probit

SSM11, OLS

2 PM12, OLS

Variables

Burden > 0

Total burden

Total burden

Age 50-591

−0.10

−0.22**

−0.21**

 

(0.118)

(0.097)

(0.1)

Age 60-69

0.00

−0.04

−0.05

 

(0.118)

(0.094)

(0.092)

Age 70-79

0.06

−0.02

−0.02

 

(0.130)

(0.103)

(0.103)

Men2

−0.14**

−0.03

−0.05

 

(0.062)

(0.052)

(0.052)

1. Quintile3

−0.23**

1.94***

1.96***

 

(0.104)

(0.100)

(0.100)

2. Quintile

−0.08

1.34***

1.39***

 

(0.104)

(0.096)

(0.093)

3. Quintile

0.17

1.01***

1.07***

 

(0.110)

(0.096)

(0.091)

4. Quintile

0.01

0.65***

0.67***

 

(0.102)

(0.121)

(0.078)

1-2 chronic diseases4

0.61***

0.56***

0.57***

 

(0.069)

(0.065)

(0.064)

≥3 chronic diseases

0.67***

0.92***

0.93***

 

(0.104)

(0.084)

(0.083)

1-2 acute health problems5

0.13*

−0.02

−0.01

 

(0.065)

(0.056)

(0.057)

≥3 acute health problems

−0.08

−0.18**

−0.18**

 

(0.096)

(0.071)

(0.074)

Depressive Symptoms6

0.17*

0.21***

0.23***

 

(0.076)

(0.059)

(0.059)

ADL7

0.08

0.65***

0.66***

 

(0.132)

(0.091)

(0.095)

SAH < good8

0.24**

0.37***

0.39***

 

(0.077)

(0.060)

(0.057)

Low education9

−0.04

−0.25**

−0.26**

 

(0.104)

(0.085)

(0.087)

Intermediate education

0.02

−0.21***

−0.23***

 

(0.071)

(0.062)

(0.063)

SHI10

0.76***

−0.55***

−0.53***

 

(0.084)

(0.092)

(0.093)

Constant

−0.00

−6.49***

−6.52***

 

(0.195)

(0.202)

(0.168)

N

2851

2851

2498

Pseudo R2

0.130

  

Likelihood Ratio Chi2

350.64

  

Prob > chi2

0.000

  

Wald chi2(18)

 

1488.57

 

Prob > chi2

 

0.000

 

Adj. R2

  

0.395

F (18, 2832)

  

86.72

Prob > F

  

0.000

  1. Reference categories: 1Age > 80 2Women 35. Quintile 4no chronic diseases 5no acute health problems 6no depressive symptoms 7no limitations in activities of daily living (ADL) 8self-assessed health (SAH) ≥ good 9high education 10privately insured 11Sample-Selection Model 12Two-Part Model.
  2. Standard errors in parentheses.
  3. ***p < 0.01, **p < 0.05, *p < 0.1.