Moolah!!!

This is something that everyone crave for, including me.

Even health system craves for this.

We need this preferably in huge amount.

This is not a slang used by Malaysian to describe the sound of cows (moo lah).

We can rule the world with it, even cows.

Few years ago, a 2007 documentary film entitle Sicko by American filmmaker Micheal Moore was premiered which in investigate the health care system in US, focusing on its health insurance and the pharmaceutical industry. This movie really is an eye-opening documentary revealing about the truth condition of US health care, and basically the movie is trying to pursue a vision so that universal health care can be implemented in US. In US, moolah for health care comes from the health insurances. Most of health insurance in US is a commercial health insurance; a for-profit which requires the policyholder to pay premium to the insurance company. If you are not cover by any sort of health insurance, this is your only option. Since this is a for-profit health insurance, again, the only goal is to drain your moolah. Some even try to maintain the denial rate for medical claims because any claim is referred to as a medical loss.

Other type of health insurance is the non for-profit health insurance/social health insurance. This is what currently implemented in Indonesia. This type of health insurance is sometimes called as single-payer health insurance because the moolah paid to this insurance comes from the tax revenue. Social insurance can be public or private company; public company run by government paid by the government and private company paid by government but run by a non for-profit organization. However, most countries encourage their social insurance to have commercial insurance as well for those whom not covered by the social insurance. In this case, the premium will be paid by the policyholders themselves.

Moreover, most of the best health care systems ranked by WHO in their issue of The World Health Report 2000, Health System : Improving Performance use taxation as the source of moolah in health care. Allocation of taxation revenue moolah in the health care is widely used in Europe such as UK and France and Asia including Malaysia. UK and France a developed country, they are drowning by taxed paid by their citizen, therefore it is easier to allocate more money in health care and even educational fee. In Malaysia, health care system is operating in a two-tier health care; public and private sector. Moolah from tax revenue is only allocated to the public sector hospitals and private sector will earn their moolah from fee-for-service (out of pocket) and commercial insurance payments for health care services.

Moolah   =  Money