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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.
Below is a list of costs and benefits covered by Medicare Supplement Plan F: Part A hospital and coinsurance costs up to an additional 356 days after Medicare benefits are exhausted. Medicare Part A hospice care copayment or coinsurance. Medicare Part B coinsurance. Medicare Part B excess charges.