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.
Herbster is an unincorporated community in the Town of Clover in Bayfield County, Wisconsin, United States, located on the south shore of Lake Superior. Herbster is seven miles east of Port Wing and eight miles west of Cornucopia on Wisconsin Highway 13, the main route through the community. The primary north/south route is by Lenawee Road, leading from Lake Superior to the Chequamegon National Forest. The Cranberry River joins the lake in the middle of the village. The unique ecosystems of Bark Point and Bark Bay sit just to the east of Herbster. Herbster's ZIP code is 54844.