If you are concerned that you might run out of lifetime reserve days, there are a couple of approaches to consider before that happens. If you have both Part A and Part B, you can add a Medigap supplement plan. All 10 of the standard Medigap plans offered by private insurance companies pay 100% of Part A and extend coverage for up to 365 days after you exhaust your lifetime reserve days. Alternatively, having Part A and B provides the option to switch to a Medicare Advantage plan. Medicare Advantage plans must provide at least the same coverage as Parts A and B, including hospital coverage through your lifetime reserve days. Medicare Advantage plans must include an annual out-of-pocket maximum. So the concept of lifetime reserve days might not matter because your hospital expenses should be 100 percent covered once you reach your out-of-pocket maximum. A GoHealth licensed insurance agent can help identify a Medicare Advantage plan that fits your needs.