There are a lot of unscrupulous practices concerning the hospitals and their relationship with the insurance companies. Being classified under observation is a status that could cost you an abundance of money. Most people would think that being under observation at the hospital would mean that it is not serious.
However, there is a slight distinction between observation and being formally admitted as a patient. Even if you stay in the hospital for five days, being taken care of, eating hospital food, and receiving nursing care. The insurance rules state that Medicare picks up the bill for the first 20 days in an approved skilled nursing facility or other consideration, but only if someone has spent at least three days as an admitted patient.
If a patient has been under observation for all or part of the time, they are responsible for the entire cost of rehab. Medicare tells the hospitals that the decision to admit or discharge a patient under surveillance can most often be completed in less than 24 hours.
R. Barnes, Professional Gamer, Graduation, Oakland
Answered Dec 23, 2020
Yes, how you are admitted to a hospital will have an effect on how much you need to pay. When people get to the hospital, they are normally assessed based on their current status. The inpatient status is someone who is expected to stay for a long time. The outpatient is someone who is only expected to stay for a short time.
An inpatient is someone who is expected to stay in the hospital for more than 2 nights while an outpatient is someone who may need to stay in the hospital for observation for a few hours or overnight before being discharged. Getting admitted through the emergency room will also make your bill higher as compared to being scheduled for an operation or treatment ahead of time.
There are so many things that determine how much people pay when they are admitted to the hospital. Most people don’t know some of these things, and they are always surprised by the humongous amount they pay for treatment. When people get admitted to the hospital, they can either be categorized as outpatients or inpatients. What determines your category depends solely on the observation of your doctor. Inpatients are more likely to pay more because they are patients whose treatment requires at least one night’s residence in a hospital, unlike the patients that are never admitted overnight. Another thing that determines your bill is the nature of the treatment you received. For instance, patients who carry out all kinds of invasive tests will pay more than those who came for monitoring. Patients are also advised to always understand all their benefits when they are buying their health insurance plans.
Your hospital status does affect how much you pay for hospital services, such as X-rays, medications, and any tests that the doctor deems necessary. Your hospital level may also affect whether Medicare will cover the care that you receive. You are an inpatient when you are officially admitted to the hospital at the doctor's request.
You are an outpatient if you are receiving emergency department services, observation services, or any other sort of service that the hospital may provide. Certain situations depend on whether the situation calls for extended care, which would entail being an inpatient in the hospital.
For example, if you come to the emergency room with chest pain, the hospital keeps you for two nights. One night is expended in observation, and the doctor writes an order for inpatient admission the following day. Medicare coverage part A pays for the hospital stay and all services provided at the doctor's charge, while Medicare part B pays for your doctor services.