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.
Zarephath (pronounced ZARRA-fath) is an unincorporated area of Franklin Township in Somerset County, New Jersey, United States. It is the communal home to the Pillar of Fire Church and houses their Christian K-8 school (which closed in June 2009) and college, publishing facilities, farm and radio station WAWZ-FM. It is named after Zarephath, the place in the Bible where the "widow woman" sustained the prophet Elijah. Zarephath is a group of buildings located between the Delaware and Raritan Canal and the Millstone River.