If you’re admitted to a hospital for observation and not for treatment of a specific ailment, are expenses covered?
Observation is covered on all plans, but rules must be followed as per the plans network and cost sharing. Pre-authorization may be required, but treatment isn't required for observation to be covered. As with anything like this you'll want to check with your insurer to make sure costs are covered and that services you are receiving won't go past your insurer's "allowed amount". Nothing about the ACA has changed the way observation is covered.