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.
Kearneysville is an unincorporated community in Jefferson County in the U.S. state of West Virginia's Eastern Panhandle. According to the 2000 census, Kearneysville and its surrounding community has a population of 6,716. Kearneysville is located along West Virginia Route 9 at its intersection with West Virginia Route 480 halfway between Martinsburg and Charles Town. Settlement in the area that later came to be known as Kearneysville began in the mid-1700s. Thomas Fairfax, 6th Lord Fairfax of Cameron sold land to various settlers, the first of whom was Nicholas Lemen in 1756. The next settler was General Horatio Gates, an American Revolutionary War general who named his holdings Traveller's Rest. Following him were Uriah and James Kearney, Sr. , for whose family the village was named. The town grew slowly at first, but with the coming of the Baltimore and Ohio Railroad in the 1830s, the population increased throughout the county and local farmers began to take advantage of this faster means of transportation. In 1876, Kearneysville was the site of Jefferson's first commercial apple orchard. Because of its central location in the Panhandle, today Kearneysville is home to the Burr and Bardane Industrial Parks and is one of the fastest growing areas of Jefferson County with its many expansive residential communities such as Chapel View and the Village of Washington Trail.