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.
Belva is an unincorporated community in west Nicholas County, West Virginia, United States. The town is situated at the bottomland surrounding the convergence of Bells Creek with Twentymile Creek and, subsequently, Twenty Mile Creek with the Gauley River. Fenwick is also the location of the convergence of two state highways: West Virginia Route 16 and West Virginia Route 39. The community is named in honor of Belva Ann Lockwood, a presidential candidate and early feminist. Belva post office was established in 1885.