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.
Oakland is a town in the west-central part of Garrett County, Maryland, United States. With a population of 1,930 according to United States Census 2000 figures, it is the most populated community in Garrett County. The town is also the county seat of Garrett County and is located within the Pittsburgh DMA. Oakland is situated only miles from the source of the Potomac River, which flows directly into the Chesapeake Bay. It is also near the Wisp Resort at Deep Creek Lake, a major ski resort for many Marylanders and other visitors. The Autumn Glory Festival, a fall festival that attracts a great number of tourists, takes place in Oakland every October.