Medicare offers many choices. It is amazing how much money you can save. Just read the ads. No deductibles. No co-pays and sometimes no monthly premium.
But if you look closely, you can find the booby traps. Look at the new Medicare book page 31-34. It is called admission on outpatient observation. Your insurance may pay nothing.
Who created outpatient observation? Possibly a bureaucrat. I don't know.
A senior may get a bill of $2,000-$5,000.
Pages 32-34 tell you how to avoid this bill. Your best helper is a compassionate and knowledgeable case manager like Judy James at Tuomey hospital.
The best solution would be for hospital CEOs, legislators and Medicare administrators to declare outpatient observation no longer exists. Treat seniors fairly.
Please note insurance never mentions outpatient observation because insurance doesn't pay.