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Medicare has a provision of Lifetime Reserve Days. Medicare recipients have a total of 60 of these days available to be used only once in the recipientsâ lifetime. The Medicare entitlement for in-patient care is limited to 90 days per benefit period. At the end of this period the must leave the hospital.
Nothing for your bed, board and care for days 1 through 20. A daily copayment ($152 in 2014) for days 21 through 100. All charges beyond 100 days. You cannot use any hospital lifetime reserve days to extend Medicare coverage in a skilled nursing facility beyond 100 days in any one benefit period. However, you may get more coverage if you have a medigap policy, long-term care insurance, coverage from Medicaid or insurance from an employer or union.