With the exception of insignificance of having any
physical disability, all other factors have significant impacts
on health care utilization, but factors associated
with higher probabilities of inpatient care differ from
those for physical examinations; factors associated with
higher probability of visiting a doctor are very different
from those predicting physical examinations or inpatient
care. For instance, after controlling for other factors,
older people aged 65 plus, are more likely to have had
physical examinations and inpatient care, but age becomes
insignificant for visiting doctors