What Are Lifetime Reserve Days? Explaining Medicare & Long Hospital Stays

Rarely does anyone plan to be in the hospital for several months at a time—still, it’s important to know what to expect in the event that it happens. Your Medicare costs change once you are in the hospital for more than 90 days. Then, you start using your lifetime reserve days.

What Are Lifetime Reserve Days?

A lifetime reserve day is any day past the 90-day mark that you are in inpatient care. Medicare Part A pays for 60 of these days throughout your lifetime.

Inpatient care services include stays in the following facilities:

  • Acute care hospitals
  • Critical access hospitals
  • Inpatient psychiatric hospitals
  • Long-term care hospitals

Other types of inpatient care may also be covered. See your plan details or call our advisors to confirm in the event that you’re hospitalized. We want you to be informed and prepared for any Medicare expenses that come your way.

How Much Will I Pay Using a Lifetime Reserve Day?

During a lifetime reserve day, Medicare pays all covered costs except for a daily coinsurance. Here’s the cost breakdown for each lifetime reserve day you use:

  • You Pay: $742 coinsurance (per day)
  • Medicare Pays: All additional covered costs (per day)

The costs and rules outlined here only apply to Original Medicare (Part A and Part B). Purchasing additional coverage, such as a Medicare Supplement or Medicare Advantage plan, would decrease your out-of-pocket costs for long hospitalizations.

You can learn more about what Medicare costs mean on our blog.

Questions About Medicare, Coverage, or Costs?

If you have questions, our local advisors have answers. Whether you’re already on a Medicare plan or are curious about enrolling for the first time, we’re here to support you through every step. Schedule a call with us to get started.

Already a RetireMEDiQ client? Your client advisor team is here for you year-round. Call us at 1-877-222-1942.

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