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If you are in an IRF more than 90 days (during one spell of illness), you can use up to 60 additional lifetime reserve days of coverage. During those days, you are responsible for a daily coinsurance payment of $592 per day, in 2013, and Medicare will pay the rest.
Medicare pays the full cost for up to 20 days; from day 21 through day 100, you pay a share of the cost ($152 a day in 2014); beyond 100 days, you pay the full cost.