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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.
Among poor and near-poor Medicare beneficiaries, 30 percent of those with only Medicare coverage received no Medicare reimbursement for services, compared with 17 percent of those with private supplemental insurance and 11 percent with Medicaid (Figure 15).