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.
Newton Falls is a hamlet of 400 located within Town of Clifton in Saint Lawrence County, New York in the United States. The hamlet is located within the Adirondack Park. The area is known in part for its ZIP code, which is 13666. The hamlet was named for James Newton, who built a sawmill in 1894 which became the Newton Falls Paper Mill; it closed in 2000. It was reopened in 2007 as Newton Falls Fine Paper through the efforts of former mill workers and town residents.