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.
Elma is a town in Erie County, New York, United States. The population was 11,304 at the 2000 census. The town is named after a type of tree. The Town of Elma is located in the north-central part of the county, east of Buffalo, New York. Because of its location, Elma likes to refer to itself as the "heart of Erie County."