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.
Ratcliff is an unincorporated community in Houston County in east Texas, United States. Founded in the early 1900s, Ratliff had a population of more than five thousand, with most working at a sawmill operated by the Louisiana and Texas Lumber Company. This Four C Mill used the 45-acre (180,000 m) lake that is the heart of Ratcliff Lake Recreation Area as its millpond. The recreation area is located within the Davy Crockett National Forest. Ratcliff is named for an early settler, J.H. Ratcliff, who operated a smaller sawmill, which cut the timber for the larger Four C Mill.