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.
Newfoundland is an unincorporated area in West Milford, New Jersey, Jefferson Township, and Rockaway Township. It is located along the New York, Susquehanna and Western Railway tracks and Route 23. It is the mailing address of Green Pond, a private lake that is in Rockaway Township. Newfoundland was a popular resort destination at the turn of the century. Several resort hotels including Brown's Hotel and Idylease Inn relied on the railroad to bring guests for the resort season.