Impact of NHIS on Antenatal Care Attendance in Ghana: Summary of Findings, Conclusions and Recommendations
SUMMARY OF FINDINGS, CONCLUSIONS AND RECOMMENDATIONS
This article is the summary of findings, conclusions and recommendations for a study that sought to  evaluate the impact of National Health Insurance on antenatal care attendance  among pregnant women in Ghana using the                                     the 2013 Ghana Living Standard Survey Round 6  (GLSS6). This article looks at the summary of findings, conclusions and recommendations for the study
Summary of Findings
The average age  of study participants was 28.7 years, with their true mean age lying between  21.89 and 35.51 years.
The mean parity  of study participants was 3.18 children. The true value lies somewhere between  1.05 and 5.13 as indicated by a standard deviation of 2.13.
The mean monthly  income of the sampled pregnant women was GHS 102.50. A standard deviation of  GHS656.75 further suggests some of the pregnant women earn very little or no  incomes. Further analysis showed that a massive majority of 2,126 of the 2,587 pregnant  women (representing 82.18%) earn between 0 and GHS 99 with only 67 out of the  2,587 pregnant women (2.57 %) reportedly earning between GHS 500 and GHS 999. 
Majority of  pregnant women in Ghana have basic or no education. This is because those with  basic or no education accounted for a whopping 88.98 % of the study  participants.
Since majority  of the pregnant women were observed to be based in rural areas, it stands to  reason that there is perhaps more pregnant women in rural areas than in urban  areas, possibly at any point in time.
The  pregnant women sampled for the study were predominantly employed. Out of 2,587  study participants, 2,336 said they were employed making a significant  proportion of 90.3%.
The proportion  of pregnant women with valid NHIS card was found to be 63.51 %. Out of the  2,587 study participants, 1,643 of them indicated that they do hold a valid  NHIS card, while 144 said they don't.
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Factors that  were observed to be significantly associated with antenatal care attendances  were NHIS enrollment, age, educational status, and area of residence. 
Meanwhile,  factors that were identified to have a significant effect on antenatal care  attendance among pregnant women in Ghana were age, parity, income, marital  status (specifically consensual relationships), educational status  (specifically secondary education), ethnicity (specifically Gurma,  Mole-Dagbani, Grusi).
Pregnant women in consensual  relationships were significantly less likely to attend antenatal care since the  AOR for consensual as a predictor in relation to antenatal attendance was 0.40,  a figure less than 1. 
Pregnant women with secondary education  as their highest academic qualification attained were more likely to attend  antenatal care than others with their highest academic qualification being  basic or tertiary education.  
Age as a  predictor was significantly more likely to engender NHIS enrollment among  pregnant women in Ghana than parity and income.
Among the three  levels of education, using unadjusted odds ratio, basic education was found to  be the strongest predictor of NHIS enrollment, followed by secondary and then  tertiary education. However, using the adjusted odds ratios, basic, secondary  and tertiary educational levels were observed to be insignificant predictors of  NHIS enrollment.
Using unadjusted  odds ratio pregnant women living in rural areas are more likely to enroll in  NHIS than urban dwellers since UOR was greater than 1 and significant. However,  when the odds ratio was adjusted for, the AOR for rural area of residence was 1.16  (95% CI: 0.96-1.47; p = 0.23) which  was insignificant. 
Unemployed  pregnant women were more likely to enroll in NHIS than employed pregnant women,  but then this difference in likelihood is insignificant since AOR for  unemployed pregnant women was observed to be 1.24 (95% CI: 0.96-1.61; p = 0.093).
Using UOR,  pregnant women who have never been married were significantly less likely to  enroll in NHIS than pregnant women who were married, in consensual  relationships, divorced or widowed. Using the AOR, pregnant women in consensual  relationships (AOR = 1.18; 95% CI: 0.92-1.53; p = 0.232) were insignificantly more likely to enroll in NHIS than  pregnant women who were married, have never been married, divorced or widowed.
Pregnant women  belonging to the ethnic groups, Mole Dagbani and Grusi are significantly more  likely to enroll in NHIS than Akan, Ga-Dangbe, Ewe, Guan, or Gurma pregnant  women. Between Mole-Dagbani and Grusi pregnant women, Grusi pregnant women  exhibited a greater propensity to enroll in NHIS. This is because the UOR for  Grusi (UOR = 2.08) was greater than that for the Mole-Dagbani (UOR = 1.47).
Pregnant women  from Central, Volta, Eastern, Brong-Ahafo, Northern, Upper East and Upper West  regions were found to be more likely to enroll in NHIS than those pregnant  women from Greater Accra and Ashanti Region. This observation could be due to  the ability of most pregnant women from these regions to afford upfront payment  for healthcare services considering the fact that these two regions are  arguably the richest in the country. 
Pregnant women  observing traditional religion were significantly more likely to enroll for  NHIS than those pregnant women who are Protestants, Catholics or Islamic. This  is because traditional religion showed an UOR of 1.77 (95% CI: 1.08-2.89; p =  0.023). Using AOR, Protestant pregnant women were the least likely to enroll  for NHIS as the Protestant predictor recorded AOR of 0.88 (95% CI: 0.56- 1.38; p < 0.05), but then this likelihood  was not statistically significant. 
The NHIS enrollment had a significant effect on  antenatal care attendance as evinced by an adjusted odds ratio of 2.19 (95 %  CI: 1.31-3.67; p = 0.003). The foregoing result further implies that pregnant  women who are NHIS cards holders are significantly far more likely to attend  antenatal care than those who are not.
Conclusions
The  proportion of pregnant women with valid NHIS card was found to be 63.51 %.
The factors that  were observed to be significantly associated with antenatal care attendances  were found to be NHIS enrollment, age, education, and area of residence. 
Meanwhile,  factors that were identified to have a significant effect on antenatal care  attendance among pregnant women in Ghana were age, parity, income, marital  status, educational status and ethnicity. 
The factors  significantly associated with NHIS enrollment were observed to be educational  status, area of residence, marital status, ethnicity and religion.
NHIS enrollment had a significant effect on antenatal  care attendance. 
Recommendation
Since majority  of the pregnant women were observed to be based in rural areas, it stands to  reason that there is perhaps more pregnant women in rural areas than in urban  areas, possibly at any point in time. There is therefore the need to build more  hospitals and clinics in rural areas to attend to the needs of the majority of  pregnant women found in rural areas.
As the  proportion of pregnant women with valid NHIS cards still remains below 100 % at  63.51%, it is strongly advised that more should be done to incentivize more  pregnant women enroll in the NHIS program. Furthermore, since the findings from  the study revealed that the factors significantly associated with NHIS  enrollment were educational status, area of residence, marital status,  ethnicity and religion. There is therefore the need to incorporate these  factors during the designing of the interventions aimed at elevating NHIS  enrollment among pregnant women. 
 


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