2024 Coinsurance Lifetime Reserve Days Calculator. If you have used your 90 days of hospital coverage but need to stay longer, medicare covers up to 60 additional lifetime reserve days, for which you will pay a daily coinsurance. Lifetime reserve days are additional hospital days that medicare beneficiaries can access after they have used all their regular medicare part a hospital benefits.

Original medicare covers up to 90 days of inpatient hospital care each benefit period. On november 8, 2024, the centers for medicare & medicaid services (cms) announced the 2025 premiums, deductibles, and coinsurance for medicare part a, part b, and part d.