I urge every senior or their friends to read Oct.2012,AARP bulletin.
MEDICARE TRAP: When Care Isn't covered? page 22
If you go a hospital--ask what is your status:
Admitted or being Observed.
If admitted,Medicare Part B will cover your stay 80%.
If "Being Observed"-- you could be in trouble.
So like you go a restaurant--you check the prices first--Do the same when you check in a hospital.
Medicare rules are getting tougher--even though you have Part A,B,Medigap or supplemental insurance.