| Variables | B | S.E. | Wald | Df | Sig. | Exp(B) | 
| Gender | 0.048 | 0.205 | 0.055 | 1 | 0.814 | 1.049 | 
| Cost | 0.018 | 0.004 | 15.761 | 1 | 0.000 | 1.018 | 
| Location | 0.548 | 0.205 | 7.142 | 1 | 0.008 | 1.730 | 
| Insurance | 19.277 | 11,274.163 | 0.000 | 1 | 0.999 | 235,473,798.287 | 
| Duration | 0.011 | 0.022 | 0.261 | 1 | 0.609 | 1.011 | 
| Constant | 0.816 | 0.307 | 7.060 | 1 | 0.008 | 2.261 |