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.
Keswick is an unincorporated community in Albemarle County, Virginia, United States, about six miles east of Charlottesville. Keswick has few businesses, and lacks a central business district. It is predominantly residential, with a mixture of large farms, estates, middle-income, and low-income housing. Since many of the parcels of land in Keswick are large, it is relatively undeveloped and still retains its natural beauty, which is enhanced by a prominent view of the Southwest Mountains. The drive through Keswick "has often been cited as one of the most scenic in America," writes the New York Times. Many of the estates were plantations in the 1700s. No major development took place in Keswick until the 1990s, and the development since then has been subject to strict scrutiny by Albemarle County officials. The town includes Keswick Hall, a club and estate owned by Orient-Express Hotels, which includes a golf course. Oakland School, a special boarding and day school for children with learning disabilities, is in Keswick. A CSX freight rail line runs through the town. The Shackelford family, long prominent in Albemarle and Orange counties and in the Monticello Association, has a family cemetery in Keswick. The postal delivery area by the name of Keswick is substantially larger than Keswick itself, extending to the north nearly to Gordonsville and to the west to Stony Point, encompassing towns too small to have a post office, including Cash Corner, Cismont, Lindsay, Stony Point, Boyd Tavern, Cobham, Whitlock, and Rosena.