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.
Riegelwood is an unincorporated town in Columbus County, North Carolina. On November 16, 2006 at 6:29 am EST, a tornado warning had been issued for eastern Columbus County, and prior to that a severe thunderstorm warning was issued for the same area at 6:21 am. At 6:37, an F3 tornado struck a mobile home park and killed eight people, including two children, Danny Jacobs, 6 and Miguel Martinez, 13. Twenty people were injured. The tornado was a part of a 3-day long tornado outbreak in the south where four other deaths were reported. Riegelwood was one of the hardest hit areas. On Friday, November 17, 2006 an NOAA National Weather Service storm survey team assessed the tornado damage in Riegelwood and rated it at F3 on the Fujita scale for nearly a mile in Riegelwood, with winds approaching 200 mph (320 km/h). The maximum width of the tornado was 300 yards where the F3 damage occurred. The rest of the 7 mile (11 km) damage path was narrow, less than a 100 yards wide, and rated at F1 with winds less than 100 mph extending north across Columbus County into western Pender County. The Columbus County sheriff reported thirty homes destroyed in the F3 damage area, and another three structures were damaged in Pender County just west of Currie.