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.
Spencer is a village located in the northwestern part of the Town of Spencer in Marathon County, Wisconsin. It is part of the Wausau, Wisconsin Metropolitan Statistical Area. The population was 1,932 at the 2000 census. The village, which lies between two marshes (Spencer Marsh to the northwest and McMillan Marsh to the southeast) was founded in 1874 at a branch on the Wisconsin Central Railway. Today it sits at the crossroads of Wisconsin Highway 13 and 98, as well as serving as the terminus of several Marathon County trunk highways. Spencer lies about 8 miles northeast of Marshfield, along Highway 13.