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If you are in an IRF more than 90 days (during one spell of illness), you can use up to 60 additional lifetime reserve days of coverage. During those days, you are responsible for a daily coinsurance payment of $592 per day, in 2013, and Medicare will pay the rest.
Medicare lifetime reserve days require a $658 daily co-insurance payment in 2017. All 10 standardized Medicare Supplement insurance plans will pay for this co-insurance cost. They also will cover hospital health care costs up to an additional 365 days after your Medicare benefits are used up.