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.
Point Roberts is an unincorporated community in Whatcom County, Washington, United States. It has a post office, with the ZIP code of 98281, whose ZIP Code Tabulation Area (ZCTA) had a population of 1,308 at the 2000 census. A geopolitical oddity, Point Roberts is a part of the United States that is not physically connected to it, making it an exclave of the U.S. It is located on the southernmost tip of the Tsawwassen Peninsula, south of Delta, British Columbia, Canada, and can be reached from the rest of the United States only by traveling through Canada or crossing Boundary Bay by sea or air.