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.
Wilbraham is a town in Hampden County, Massachusetts, United States. It is also a suburb of the City of Springfield, Massachusetts and part of the Springfield Metropolitan Statistical Area. The population was 13,473 at the 2000 census. Wilbraham was originally divided between North Wilbraham and Wilbraham. North Wilbraham was home to the industrial side of the town along with the Boston & Albany Railroad Line which is still in use today. Wilbraham was home to the farms and the Wilbraham & Monson Academy. At one time North Wilbraham even had its own zip code which was 01067. However the term North Wilbraham is now very rarely used. Part of the town comprises the census-designated place of Wilbraham. In 1928, author H. P. Lovecraft visited Wilbraham, after which he modeled the fictional town of Dunwich in his story The Dunwich Horror.