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.
Carlstadt is a borough in Bergen County, New Jersey, United States. As of the United States 2000 Census, the borough population was 5,917. Carlstadt was originally formed as a village by an Act of the New Jersey Legislature on March 12, 1860, within Lodi Township. It was named after Dr. Carl Klein, the leader of a group of early German settlers. The Borough of Carlstadt was incorporated on June 27, 1894, formally set off from Bergen Township, at the height of the Boroughitis phenomenon then sweeping through Bergen County.