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.
Sunderland is a small, rural community located in Calvert County, Maryland, approximately 5 miles south of Dunkirk, Maryland and 10 miles north of Prince Frederick, Maryland. Although Sunderland is not incorporated and does not have a central business district, it does have a zip code, 20689. However, as of November 2007, the former Sunderland post office had closed its doors due to a lease dispute without opening a new location, and postal officials are determining where to locate a new post office location..