Rebecca Rudroff, Medicare Insurance Agent

About Me

I have over thirteen years of experience as a medical social worker. My career has been built on guiding individuals through complex situations, connecting them with essential services, and ensuring they receive the support they need. Through this work, I developed extensive knowledge of insurance systems and became skilled at helping people navigate and use their benefits effectively. As a healthcare agent, I now combine that compassion‑driven background with my expertise in coverage options to empower clients, simplify the process, and make sure every person is equipped with the tools they need to make confident, informed decisions about their care.

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Q&A with Rebecca Rudroff

Does Medicare cover hospital observation stays, and how is that different from being admitted as an inpatient?

Answer: Yes, Medicare covers hospital observation under the outpatient benefit. If you have Original Medicare that would be Part B services. If you have an Advantage Plan it is charged under outpatient services. Observation means they expect you to be there less than 48 hours. If the hospital admits a patient, they expect a patient to be there more than 48 hours.