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.
Selkirk is a hamlet in the town of Bethlehem, Albany County, New York. It is located south of the city of Albany, it is an exurb of that city. A major freight railyard operated by the Selkirk Subdivision of CSX Transportation is located there; all of the CSX freight traffic going to or from Boston goes through Selkirk on its way to points north, south or west. The route is also used by traffic from New York City to points west, a detour known as the Selkirk hurdle. Also in Selkirk is Audubon International, a non-profit environmental educational organization.