The doc may not tell you ... in fact the doc may not even know !!! ... that if you go into the hospital for observation you may be charged out of pocket. Insurance may require you to be admitted.
Soooo you and your doc need to decide if your condition is bad enough for a hospital stay.
I heard this while volunteering at a hosoital a couple years ago and saw a reconfirmation in Aarp last year.
You may want to check all this out before you get an unexpected BIG bill !