Harrison Insurance Agency

Lifetime reserve days are in Original Medicare, these are additional days that Medicare will pay for when you're in a hospital for more than 90 days. You have a total of 60 reserve days that can be used during your lifetime. For each lifetime reserve day, Medicare pays all covered costs except for a daily coinsurance.

Turning 65 is a major milestone — and not just because it’s the age you can enroll in Medicare! Taking the time to understand Medicare enrollment now can help you avoid costly penalties and coverage gaps down the road.

Don’t forget that Medigap policies also do not include Part D, so you will purchase your drug plan separately.