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.
Climax was an unincorporated mining village and a former U.S. Post Office located in Lake County, Colorado. Climax was known for its large molybdenum ore deposit. The former Climax Post Office had the ZIP Code 80429. Climax is now an uninhabited ghost town, located along the Continental Divide at an elevation of about 11,360 feet (3465 meters). It was the highest human settlement in the United States, and it holds the record for having had the country's highest Post Office and the highest railroad station. The residential houses were all transported to the West Park subdivision of Leadville, Colorado, before 1965, leaving only the mining buildings standing.