Moral Hazard of Dental Services in Armed Force Social Security Insurance before and after Soldiery in 2012

Moral hazard is one of the most important issues in health insurance system. It happens when the insurance’s coverage and its utilization increase. The aim of this study was to assess the moral hazard of dental services in armed force social security insurance before and after soldiery. This was a descriptive-analytical study. One hundred and fifty soldiers from garrisons of Tehran were invited to the study. Data were collected using checklists. The models were estimated using logistic regression. Sixty five (43%) soldiers out of 150 had not used dental services before conscription. They began to use the services after receiving a substantial dental services insurance coverage. The results of this study showed that moral hazard had strong positive relationships with education, income, and ease of getting off from garrisons. The moral hazard had a negative relationship with the insurance coverage before soldiery. More dental services coverage, more demand and utilization of the services. It also increased the costs and quality of the services.