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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 pays 100% of the first 20 days of a covered nursing home stay. Days 21 to 100: $157.50 coinsurance per day of each benefit period. You pay coinsurance for each day of the benefit period. If you stay in a skilled nursing facility longer than 100 days per benefit period, Medicare stops paying nursing home costs.