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.
Hemlock is an unincorporated community in Richland Township, Saginaw County in the U.S. state of Michigan. It is also a census-designated place (CDP) for statistical purposes, but without any legal status as an incorporated municipality. The population of the CDP was 1,585 at the 2000 census. The area included in the CDP is in the south central portion of Richland Township. The Hemlock post office, with ZIP code 48626, serves nearly all of Richland Township, as well as portions of Fremont Township to the south, small areas of Thomas and Swan Creek townships to the southeast, and part of Ingersoll Township to the north in Midland County. The community was first settled in 1865. A Post Office was established in 1869 with the name "Hemlock City". This was shortened to Hemlock in 1895.