Health care law encompasses the laws and regulations governing hospital and health care administration, and an understanding of health care insurance is integral to it. There are significant differences in the types and amount of coverage provided by various private insurance policies, such as HMOs, PPOs, disability insurance, and hospital indemnity insurance, just as there are important differences in the cost to the purchasers of health insurance. There are also public health care insurance programs. Elderly and disabled persons may be eligible for coverage through the federal Medicare program. The joint state-federal Medicaid program helps certain individuals, including disabled persons and low-income elderly persons, pay for long-term care and in-home health care.
Effingham is a city in Effingham County, Illinois, United States. The population was 12,384 at the 2000 census. It is the county seat of Effingham County. The city bills itself as "The Crossroads of Opportunity" & "Crossroads of many state police" because of its location at the intersection of two major Interstate highways: I-57 running from Chicago to Miner, Missouri, and I-70 running from Utah to Maryland. Thus, Effingham has a broad range of restaurants, lodging, and shopping facilities. Effingham is also located on U.S. Highway 40, the historic National Road.