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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 may pay some long-term care costs. Medicare is a federal program that pays for health care for people over age 65 and for people under age 65 with disabilities. If you meet all the necessary requirements for Medicare, it will cover up to 100 days of skilled care in a nursing home, per benefit period. Insurance companies must give you at least 30 days to look over your long-term care policy after you receive it. 2  Read the policy carefully to be sure it has the benefits and features you want. 3  If you decide to return the policy within the 30 days, you will get a full refund of any premium paid.