May I suggest you read and try to understand-The Happy Hospitalist Medicare-—this will give you and idea of what is coming to you and your loved ones if you live to 65. ACA is a population control for older people..You will not get the care or the medicine you need as you get to the age when you will be the sickest time of your life....
What people do not realize, is that when a hospital accepts Medicare patients ( and they all have to), that Medicare forces them to apply the same rules to all insurance plans. Therefore, your Blue Cross plan that you get from work follows Medicare rules. The observation rule is being used on everyone now, not just Medicare. The writer of this articles implies that hospitals are putting patients under observation by choice, but there is strict parameters that they have to follow in which they determine if patients are observation or inpatient. The parameters (written by a company called Milliman- I sure would like to know who is behind this company), has made the rules stricter and stricter, so more and more patients are now falling under observation care. That means the patient pays more out of pocket than inpatient care. This is how they are “reducing “health care costs.