What is the difference between a recluse and a hermit?

As the title asks, but further, do you personally consider these people mentally disturbed? Or suffering in some way? Do you think one would have to be very wealthy to be either a recluse or hermit? Do you personally know anyone who is currently? And how do they manage to live within society? Finally if either a recluse or hermit got tooth ache, or needed medical assistance how this would affect their label of “recluse or hermit