What Are Lifetime Reserve Days?

Lifetime reserve days are extra days of hospital coverage provided by Original Medicare if you're hospitalized for more than 90 days in a single benefit period. Medicare grants you 60 of these reserve days to use throughout your lifetime, and once used, they can't be replenished.

Why lifetime reserve days matter

• Protects against unexpected hospital stays: Lifetime reserve days help cover hospital costs if you're hospitalized longer than anticipated.
• Limits financial exposure: Although there's a daily coinsurance, these days help reduce the significant expenses that could result from lengthy hospitalizations.
• One-time benefit: Knowing these days are limited emphasizes the importance of managing hospital stays and planning healthcare carefully.

How Solace can help

A Solace advocate can help you track the use of your lifetime reserve days, clarify billing questions, and manage hospital coverage to avoid exhausting these days unnecessarily. Advocates can also coordinate alternative care arrangements, such as skilled nursing or rehabilitation facilities, to help preserve your lifetime reserve days.

What to do next

Worried about managing hospital stays or preserving your lifetime reserve days? A Solace advocate can help you make informed decisions about your hospital care coverage. Find an advocate today.