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.
Higgins Lake is a small unincorporated community along the southern and western shores of Higgins Lake, a recreational and fishing lake in Roscommon County, in the U.S. state of Michigan. Higgins Lake is the name of the post office for the area, with ZIP code 48627. This ZIP code includes several other small communities and locales along the shores of the lake, including (moving counter-clockwise around the lake) Hillcrest, Lyon Manor, Detroit Park, Cook Corner, Sharps Corner, Almeda Beach, Oak Grove, Ritz Corner, Pine Bluffs, and Cottage Grove. Since all have Higgins Lake as a postal address, they are often all considered as part of the Higgins Lake community. The lake is situated on the boundary between Lyon Township on the west and Gerrish Township on the east. US 127 passes on the west side of the lake while I-75 and M-18 both pass a few miles to the east. Houghton Lake is just a few miles to the south. The area has two state parks, South Higgins Lake State Park and North Higgins Lake State Park, located, as might be expected from the names, on opposite ends of the lake. Both provide public boat launches and camping, and are very popular in the summer months. The south park is older, larger, and more developed. The north park is located on what was once the world's largest seedling nursery. The 9900 acre (40 km²) lake is known for its deep, clear waters and is named after Sylvester Higgins, Michigan's first chief of the topographical department of the Michigan Geological Survey. Beginning in the early 1990s, Higgins Lake has been at the center of a state-wide debate in Michigan regarding the use of public road ends for the sunbathing, picnicking, lounging, and the placement of boat hoists. Riparian property organizations want to curtail the use of road ends by the general public. They are being challenged by public access advocates and state legislators. There is also a Higgins Township in Roscommon County adjacent to Gerrish Township on the east. Higgins Lake is one of the deepest inland lakes in the United States outside of the Great Lakes.