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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.
If your loved one needs short-term, acute care in a skilled nursing facility, Medicare will cover the first 20 days of skilled nursing care in a Medicare-approved facility and up to 80 additional days after a daily coinsurance fee that's adjusted annually.