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.
Calumet is an unincorporated community in Mount Pleasant Township, Westmoreland County, Pennsylvania, United States. Although the United States Census Bureau includes it in a census-designated place with the nearby community of Norvelt, they are in reality two very different communities, each reflecting a different chapter in how the Great Depression affected rural Pennsylvanians. Calumet was a typical "patch town", built by a single company to house coal miners as cheaply as possible. The closing of the Calumet mine during the Great Depression caused enormous hardship in an era when unemployment compensation and welfare payments were non-existent. On the other hand, Norvelt was created during the depression by the US federal government as a model community, intended to increase the standard of living of laid-off coal miners.