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.
Ludlow is an unincorporated rural hamlet in rural northern Harding County, South Dakota, United States. It is located on Federal Highway 85 about 12 miles north of Buffalo, the Harding County seat, and 6 miles south of the North Dakota border. Although not tracked by the Census Bureau, Ludlow has been assigned the ZIP code of 57755. It is primarily a service center for the rural area which it occupies, offering a public school for grades K-8 and a fire department. Additional businesses in the immediate vicinity include a horse-and-carriage rental business, a pet health-food manufacturer and a chemical plant, as well as several large cattle ranches. Medical, legal, and grocery services are absent, the nearest being in Buffalo. The city boundaries are uncertain and these organizations are apparently, from satellite map views, widely scattered around the designated town location, which is usually pinpointed at an empty highway intersection. The Population of Ludlow is 3. Ludlow also has an annual lamb barbecue.