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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.
Reimbursement LTC Insurance Policy. This is the most common type of long term care insurance policy. With this policy, you are reimbursed for actual charges. For example, if you buy a $200 a day policy and your bill is $150 a day, you are reimbursed $150 and the balance of the money stays in the pool. More about Reimbursement long term care insuranceÂ».