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.
Harkers Island is a census-designated place (CDP) in Carteret County, North Carolina, United States. The population of Harkers Island was 1,623 at the 2007 census. Harkers Island is unincorporated and receives most public services, including law enforcement and public education, from Carteret County. A membership cooperative provides the island with electric and water services. Major industries on the island include fishing, boat building, tourism, and waterfowl decoy carving. Formerly named Davers Ile and Craney Island, Harkers Island was occupied by Native Americans of the Coree tribe when the first European explorers arrived in the 16th century. Ownership of Harkers Island was first titled to Farnifold Green, a native of the Carolina colony, by the Lords Proprietors in 1707. Ebenezer Harker purchased the island in 1730, settled there with his family, and built a plantation and boat yard. The island became known as Harkers Island soon after his death. A large immigration of islanders fleeing the hurricane-ravaged Outer Banks in 1899 dramatically increased the island population, which largely depended on fishing and boat building. Separated from the mainland for centuries, many Harkers Island residents speak a distinct dialect of English.