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.
Ipswich is a coastal town in Essex County, Massachusetts, United States. The population was 12,987 at the 2000 census. Home to Willowdale State Forest and Sandy Point State Reservation, Ipswich includes the southern part of Plum Island and Plum Island State Park. A residential community with a vibrant tourism industry, the town is famous for its clams, celebrated annually at the Ipswich Chowderfest and also for Crane Beach, a barrier beach near the Crane estate.