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.
Bayard is a town in Grant County, West Virginia, United States. The population was 299 at the 2000 census. Bayard was incorporated in 1893 and named in honor of Thomas F. Bayard, Jr. , who later became a United States Senator from Delaware (1923–1929). Bayard was founded on the West Virginia Central and Pittsburgh Railroad as a coal mining community. Coal mining has remained the town's chief industry.