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.
Ludington is a city in the U.S. state of Michigan. As of the 2000 census, the city population was 8,357. It is the county seat of Mason County. Ludington is a harbor town located on Lake Michigan at the mouth of the Pere Marquette River. Many people come to Ludington year round for recreation, including boating and swimming on Lake Michigan, Hamlin Lake, and other smaller inland lakes, as well as hunting, fishing, and camping. Nearby are Ludington State Park (which includes the Big Sable Point Light), Nordhouse Dunes Wilderness Area, and Manistee National Forest. Ludington is also the home port of the SS Badger, with daily service in the summer across Lake Michigan to Manitowoc, Wisconsin. Watching the Badger come into port in the evening from the end of the north breakwall by the Ludington lighthouse is a favorite local pastime. In summer, the city hosts quite a few large events. Examples are one of the largest Gus Macker basketball tournaments (with 35,500 spectators), the Ludington Area Jaycees Freedom Festival (July 4), the Lakestride Half Marathon in June, and the West Shore Art League's Art Fair. As a result of its many attractions (based on AAA's 2005 TripTik requests), Ludington is the fifth-most-popular tourist city in Michigan, behind Mackinaw City, Traverse City, Muskegon, and Sault Ste. Marie.