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.
Rhinecliff is a hamlet in the town of Rhinebeck in northern Dutchess County, New York. It was founded in 1686 as the town of Kipsbergen by five Dutchmen, among them Hendrikus and Jacobus Kip, who moved from Kingston to live in the settlement along the eastern shore of the Hudson River. In 1849, under the influence of the Hudson River Valley school of painters, the hamlet was given the more picturesque name of Rhinecliff. The quaintness and charm of the hamlet serve as the water and rail gateway to the larger town of Rhinebeck. Rhinecliff is one of the oldest intact hamlets along the Hudson River and is listed in the National Register of Historic Places as a contributor to the Hudson River National Historic Landmark District. At 20 miles (30 km) long, this Historic District is the largest National Historic Landmark (NHL)designation in the country. Rhinecliff is also included in the Local Waterfront Redevelopment Program (LWRP) and is designated: a Scenic Area of Statewide Significance (SASS), a contributor to the DEC Mid-Hudson Historic Shorelands Scenic District, a contributor to DEC Scenic Roads designations, and is in the Hudson River National Heritage Corridor. The hamlet is demarcated by large agricultural and wooded area to the north, east, and south, and bounded by the Hudson River on the west. Steep topography, formed by contorted slate ridges and valleys, define the site-specific and seemingly random orientation of the small, frame 19th century houses and winding narrow roads. After experiencing a mid-19th century building boom, the original hamlet boundaries and building density have changed very little over the last 100 years. As part of the town of Rhinebeck, the hamlet of Rhinecliff is included within the jurisdiction of the Town government. In 2005, the Town Board created the Rhinecliff Hamlet Advisory Council to facilitate communications between the Hamlet and Town. Goals of the Advisory Council are to work with the community on the protection of the historic hamlet, integration of a multi-use greenway connecting the Town with the hamlet, appropriate development of the waterfront, and sensitive residential development in outlying areas. The town is also the setting of the fictional book series The It Girl by Cecily von Ziegesar.