2024 Coinsurance Lifetime Reserve Days List. You are covered for up to 90 days each benefit period in a general hospital, plus 60 lifetime reserve days. Reserve days are not renewable and can be used only once during your lifetime.

In 2024, beneficiaries must pay a coinsurance amount of $408 per day for the 61 st through 90 th day of a hospitalization ($400 in 2023) in a benefit period and $816 per day for lifetime reserve days ($800 in 2023). Medicare will cover 60 additional reserve days, and you will pay a coinsurance for each day.