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.
Coltons Point is an unincorporated community in what is popularly called the "Seventh District" of St. Mary's County, Maryland, United States. Here are located a small historical museum, a lighthouse, and a Catholic devotional monument to the miraculous medal. Seasonal boat service at times carries visitors the short distance to the shrinking, uninhabited St. Clement's Island, where in 1634 the first European settlers arriving in Maryland landed and celebrated the first Catholic Mass in English-speaking North America.