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.
Ragland is a town in St. Clair County, Alabama, United States southeast of Ashville. At the 2000 census the population was 1,918. It is part of the Birmingham-Hoover-Cullman Combined Statistical Area. An F4 tornado struck southwest from here at 10:55 in the morning on Palm Sunday March 27, 1994. The National Weather Service of Birmingham issued a tornado warning for northern Calhoun, southeastern Etowah, and southern Cherokee counties at 11:27. The tornado destroyed Piedmont's Goshen United Methodist Church twelve minutes later.