In Illinois, that 23 hour thing is common. You get to go to a room, and you're released the next morning. I did that a couple of times for breast cancer surgery and it was fine.
Also, my initial stay in the hospital was only approved for 3 nights. I questioned the ins. company because my dr said before the surgery that I'd be there 4-7 nights and I didn't want to be pushed out of there. They said that the initial approval was only three nights, but that if the doc wanted me there, all they had to do was call after I stayed the three nights.
I think that your hospital/doctor can get that all straightened out with the insurance company, but that happens a lot here, and it doesn't mean folks are getting tossed out on the street, it just means that you stay just shy of 24 hours, which for me, the two times I had that happen, was plenty. The anesthesia had worn off, I was on the mend, and really ready to get home and get some rest.
I hope it all works out fine for you too.
Cindy