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.
Sunspot is an unincorporated community in the Sacramento Mountains in Otero County, New Mexico, United States. It is located within the Lincoln National Forest, 18 miles south of Cloudcroft. Its elevation is 9200 feet. It is named after the nearby National Solar Observatory on Sacramento Peak. The sole road that drives into Sunspot is New Mexico State Road 6563, named for the brightest wavelength of hydrogen emission, H-alpha. Two other roads in the town are named Penumbral Road and Umbral Road, after the parts of a sunspot.