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Lifetime reserve days. (Redirected from Lifetime Reserve Days) Lifetime reserve days are additional days that the United States health care system Medicare Part A will pay for when a beneficiary is in a hospital for more than 90 days during a benefit period. Beneficiaries are limited to a total of 60 reserve days over the course of their life.
For example, if a patient stays in the hospital or nursing facility for 100 days but is only allotted 90 days per benefit period, the patient will have to use 10 lifetime reserve days. Original Medicare requires different co-payments (co-pays) depending on the number of days a patient stays in the hospital, with lifetime reserve days beginning after day ninety. The first sixty days of hospital stay have no co-pay, days sixty-one to ninety have a daily co-pay of $304 (in 2014), and over ninety days have a $608 co-insurance per lifetime reserve day used. Planning for hospital stay expenses can help reduce the overall cost of an extended stay.