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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.
Medicare should pay the entire allowable amount except for the co-insurance amount of $315.00 per day. Many times the secondary insurance will pay the co-insurance. Otherwise the $315.00 per day is the patientâs responsibility. The next 60 days (days 91-150 of the hospital stay) are called lifetime reserve days, often referred to as âLTRâ. Medicare again will pay the entire allowable amount except the co-insurance of $630.00 per day. Many times the secondary insurance company will pay the co-insurance. Otherwise the $630.00 per day is the patientâs responsibility.