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.
Towaco is an unincorporated area within Montville Township in Morris County, New Jersey, United States. The area is served as United States Postal Service ZIP code 07082. As of the United States 2000 Census, the population for ZIP Code Tabulation Area 07082 was 4,723. The Towaco station offers New Jersey Transit train service along the Montclair-Boonton Line. It essentially replaces the abandoned Montville station. The train station has been renovated.