2024 Coinsurance Lifetime Reserve Days. In 2024, beneficiaries must pay a coinsurance amount of $408 per day for the 61st through 90th day of a hospitalization ($400 in 2023) in a benefit period and $816 per day for lifetime. $816 coinsurance per each lifetime reserve day after day 90 for each benefit period (up to 60 days.

$408 coinsurance per day of each benefit period days 91 and beyond: Medicare lifetime reserve days reduce your costs down to a copay for days 91 and beyond of a hospital stay.