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.
Harvard is a town in Worcester County, Massachusetts, United States. A farming community settled in 1658 and incorporated in 1732, it has been home to several non-traditional communities, such as Harvard Shaker Village and the utopian Transcendentalist center Fruitlands. Today it is an affluent residential town noted for its excellent public schools (Its students consistently ranking in the state's top ten test results in English and Math). The population was 5,981 at the 2000 census.