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.
Rutherford is a borough in Bergen County, New Jersey, United States. As of the United States 2000 Census, the borough population was 18,110. It is an inner-ring suburb of New York City, located 8 miles (13 km) west of Midtown Manhattan. Rutherford was formed as a borough by an Act of the New Jersey Legislature on September 21, 1881, from portions of Union Township, based on the results of a referendum held on the previous day. Rutherford has been called the "Borough of Trees" and "The First Borough of Bergen County".