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.
Lake Clear is a hamlet and a lake in Franklin County, New York, United States. The area is named for 940-acre (3.8 km) Lake Clear, part of the original Seven Carries canoe route. It is located in the town of Harrietstown. In the late 1800s, Lake Clear was near the center of a thriving tourist industry; Upper Saint Regis Lake, three miles (5 km) to the north is home to some of the earliest and most elite of the Adirondack Great Camps, and famous Paul Smith's Hotel was only five miles to the north. Saranac Inn, on the shore of Upper Saranac Lake, is four miles (6 km) to the west, and the village of Saranac Lake is six miles (10 km) to the southeast. In 1893, the Mohawk and Malone Railway reached Lake Clear, and in 1906, Paul Smith built an electric railroad that ran from Lake Clear to his hotel. Today the area is still largely devoted to tourism, but in a much quieter way. Many of the area's great camps and cottages are still in use, along with other guest facilities. The nearby Saint Regis Canoe Area is a major draw for paddlers. The state now owns much of the land, including most of the shoreline of Lake Clear, and it operates a fish hatchery at nearby Little Clear Pond. The Adirondack Airport is 1.5 miles (2.4 km) east of Lake Clear; although it is nominally in Saranac Lake, it is known locally as the "Lake Clear Airport.