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.
Vestal is a town within Broome County in the Southern Tier of New York, and lies between the Susquehanna River and the Pennsylvania border. As of the 2000 census, the population was 26,535, estimated to have grown to 27,423 in 2005. The Town of Vestal is on the south border of the county and is west and southwest of Binghamton. Vestal is home to Binghamton University which draws visitors to the town through its entertainment and sporting events. The university adds more than 14,000 students to the town and employs more than 3,000 faculty and staff.