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.
Windber is a borough in Somerset County, Pennsylvania, eight miles (13 km) south of Johnstown. It was at one time a place of industrial activities which included coal mining, lumbering, and the manufacture of fire brick. In 1897, the community was founded by coal barons Charles and Edward Julius Berwind owners of the Berwind Corporation. 8,013 people lived in Windber in 1910 and 9,057 in 1940; the population was 4,395 at the 2000 census. It is part of the Johnstown, Pennsylvania Metropolitan Statistical Area.