Contact Allstate via phone, email or U.S. mail for personal assistance and support. You can access your Allstate account for policy information and more. Skip Navigation
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 covers 100 percent of the costs for the first 20 days. Beginning on day 21 of the nursing home stay, there is a significant co-payment ($161 a day in 2016). This copayment may be covered by a Medigap policy. After 100 days are up, you are responsible for all costs.