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.
Carpenter is an unincorporated community in Clark County, South Dakota, United States. Although not tracked by the Census Bureau, Carpenter has been assigned the ZIP code of 57322. Despite the city's size of one square city block, businesses such as Wheat Growers, the Carpenter Cafe, Dick's Garage, and the post office flourish here. Carpenter was named by postmaster John C. Opsahl for his recently deceased friend, G. W. Carpenter, a land office agent in nearby Watertown, Codington County. U.S. federal censuses enumerate a George W. Carpenter, born c1833-1834 in New York, in Waterton from 1880-1910; he was a veteran of the American Civil War, with service in the 21st and the 116th New York Infantry regiments.