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.
Verbank is a hamlet in the town of Union Vale in Dutchess County, New York, United States. Verbank is served by a post office with the ZIP code of 12585; the ZCTA for ZIP Code 12585 had a population of 956 at the 2000 census. Verbank is home to Camp Young Judaea Sprout Lake, which was established in 1976 as a camp for children grades 2–8, focused on the Jewish heritage. The Verbank Hunting And Fishing Club, on Verbank Club Road, was created in 1928. The Verbank United Methodist Church is located at the junction of County Route 9 and New York State Route 82. The Dutchess and Columbia Railroad was chartered in 1866 to build a line from Fishkill on the Hudson River northeast and north to the New York and Harlem Railroad at Craryville. On the railroad, a railroad station, the church, a post office, and two stores existed in the area that was known as Verbank Station. In its early years, Verbank was home to two gristmills and a paper mill.