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.
Derby, New York is a hamlet in Erie County, New York, USA. It is the Postal Address for much of the Town of Evans, within which Derby is fully contained. The Derby zip code is 14047. Derby is also home to the North Evans fire District which includes Highland Hose Volunteer Fire Company and the North Evans Volunteer Fire Company. Derby is home to the Highland Elementary School, part of the Lake Shore School District. Derby is located on the shores of Lake Erie in the southwest part of Erie County and 18 Miles south-west of Buffalo. After World War I, many wealthy Buffalo families built their summer estates there, including one called "Graycliff" designed by Frank Lloyd Wright for the family of Darwin Martin, an executive in the highly successful Larkin Soap Company. A recent restoration project has restored the house to its original condition. Also at Derby is the historic First Church of Evans Complex.