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.
The Township of Toms River is a large township in Ocean County, New Jersey, United States, and the county seat of Ocean County. On November 7, 2006, voters approved a change of the official name of Township of Dover (or, Dover Township) to the Township of Toms River, effective November 14, 2006. As of the United States 2000 Census, the township had a total population of 89,706. The United States Census Bureau's 2006 population estimate was 94,889, making it one of the fastest growing cities in New Jersey as well as the seventh most populous municipality in New Jersey. What is now Toms River Township was established by Royal Charter as Dover Township on March 1, 1768, from portions of Shrewsbury Township, while the area was still part of Monmouth County. Dover Township was incorporated as one of New Jersey's first 104 townships by an Act of the New Jersey Legislature on February 21, 1798. Portions of the township were taken to form Jackson Township (March 6, 1844), Union Township (March 10, 1846, now Barnegat Township), Brick Township (February 15, 1850), Manchester Township (April 6, 1865), Berkeley Township (March 31, 1875), Island Heights (May 6, 1887), Lavallette (December 21, 1887) and Seaside Heights (February 26, 1913). In 2006, Toms River was ranked by Morgan Quitno as the fourteenth safest "city" in the United States, of 369 cities nationwide. In 2007 and 2008, Toms River was ranked by CQ Press as the ninth safest "city" in the United States, of the 378 cities nationwide.