Know the Difference: Inpatient Care vs. Observation Status

By Regenia Mapson
Health Insurance Resource Manager

Depending on the circumstances, your hospitalization can be classified as Inpatient Care or Observation Status.  Most people are not aware that when you are classified under “observation status,” Medicare may not cover the care you receive for a subsequent stay at a skilled nursing facility.

Your hospital admission status affects what Medicare will cover. Protect yourself or a loved from a costly surprise by staying informed!

Get A Clear Understanding of…

1. Hospital status and how it impacts you.

2. The effect of hospital observation status on skilled nursing coverage.

3. How to find out if you are being formally admitted under inpatient care?

4. What is an Observation Stay?

To find out more about the skilled nursing care covered after a hospitalization classified as observation classified as observation, call Regenia Mapson, your Riderwood licensed sales agent, at 301-572-8450 TTY:711 Monday through Friday, 8:30a.m.-5:00 p.m. local time to schedule your personal appointment.


Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

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