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.
North Chelmsford is an unincorporated village in the town of Chelmsford, Massachusetts, United States. Although North Chelmsford has its own zip code, library, post office, police station, fire station, and local calling area, it is run by the same local town government and is part of the same school district as Chelmsford. North Chelmsford is more industrial, more densely populated, and generally less affluent than the rest of Chelmsford. North Chelmsford's separate identity and the town government's perceived bias one way or the other is a political issue - the Lowell Sun ran an article on August 7, 2005 describing the situation as "Chelmsford's Civil War Still Raging On. " Bumper stickers such as "I'm from North Chelmsford - Don't Tread On Me" can be seen around town. When it comes to Chelmsford's rivalry with neighboring Billerica though, Chelmsford and North Chelmsford stand firmly united.