Who uses outpatient healthcare services under Ghana’s health protection scheme and why?

Table 3 Estimation of Models (1–3) showing the Probability of Usage of Healthcare in last 2 weeks

Variables	Marginal Effects
Dependent variable: Use of Formal facility	Model 1	Model 2	Model 3
age 18–69	−0.027		−0.007
Age 70 and above	0.012		0.025
Male	−0.066***	−0.055*	−0.066***
Some Primary	0.036		0.040*
JSS/Middle school	0.041*		0.048*
Secondary and above	0.094***		0.097***
Insured	0.068**		0.061*
Chronic	0.016		0.007
Travel Time to Facility:
District hospital
Less than 15 min	0.030		0.031
15 to 60 min	0.011		0.011
Regional hospital
Less than 15 min	−0.242		−0.283
15 to 60 min	−0.040		−0.043*
SPEC Variables
No association		−0.034	#
Single		−0. 011	−0.029
Wealth Quintile: First		0.051**	0.043
Second		#	#
Third		#	#
Fourth		0.027	−0.004
Number of Observations	667	607	645
LR Chi2	35.32	11.93	39.21
Prob > Chi2	0.000	0.036	0.000
Pseudo R-Squared	0.081	0.031	0.090

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