What Are Medicare Lifetime Reserve Days? 
Inpatient hospital care is covered by Medicare Part A. Medicare only covers 90 consecutive days of hospitalization . After 90 days Medicare provides 60 lifetime reserve days and there is a co-pay of $ 644 per day for days 91-150 of hospitalization . Anytime you have been out of the hospital for 60 consecutive days and new benefit period of 90 days starts all over again . That is why it is highly unlikely you ever will use up your 60 lifetime reserve days . If you have a Medicare Supplement it will pay the $ 644 co-pay for days 91-150 and if you did use up your 60 lifetime reserve days your Medicare Supplement will provide you with an additional 365 lifetime reserve days . 