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.
Ferndale is a city in Oakland County of the U.S. state of Michigan. It forms part of the Detroit metropolitan area. As of the 2000 census, the city population was 22,105. Ferndale is primarily residential, with a small industrial sector featured in the southeast part of the city. Ferndale's thriving business district is anchored by the intersection of Woodward Avenue and 9 Mile Road, where privately owned shops, unique storefronts, dance clubs, bars and numerous well visited restaurants are featured. The downtown has broad sidewalks, slow traffic, and many trees and benches. Ferndale is well-known in the Detroit area for its LGBT (non-heterosexual) population and progressive politics, having elected the first openly gay mayor in the state of Michigan in 2007.