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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.
The benefit period ends when you haven't received any inpatient hospital care (or skilled care in a skilled nursing facility) for 60 days in a row. Why is this important? Medicare only covers a limited number of hospital days and skilled nursing care within each benefit period. You get up to 90 hospital days (not counting your 60 lifetime reserve days) and up to 100 skilled nursing days within each benefit period. Also, the Medicare Part A deductible of $1,132 applies to each benefit period as do certain copays, depending on how many days you use. Standard Medicare supplemental policies cover the Part A deductibles and copays. There is no limit to the number of Medicare benefit periods.