lifetime reserve

lifetime reserve

Etymology: AS, lif + tid, time; L, re, again, servare, to keep
a lifetime total of days of inpatient hospitalization benefits that may be drawn on by a patient who has exhausted the maximum benefits allowed under Medicare for a single episode of illness.
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A patient is eligible for 90 days of hospital care and 100 days of extended care in the same benefit period, according to Medicare, but may be eligible for as much as 150 days of hospital care if they draw on their lifetime reserve.
After 90 days, when patients begin drawing on their lifetime reserve, coinsurance increases to $630 per day.
In a couple of cases this proved to be the only thing necessary to document there was no narcotics in the worker's systems, allowing the claim to close and the lifetime reserve on the claim to be eliminated, which is a saving of several hundred dollars," Maw said.
Thereafter, the patient has available an additional lifetime reserve of 60 hospital days, during which the patient must pay a daily coinsurance charge ($550 per day in 2010).
Lifetime reserve days are extra hospital days to use if a patient has a long illness and needs to stay in the hospital for more than 90 days in a benefit period.
For each of the 60 lifetime reserve days used, the daily coinsurance amount is equal to one-half of the inpatient hospital deductible.
Under prior law, hospital benefits were limited to 90 days a year for each "spell of illness" plus a lifetime reserve of 60 days (which could only be used once) and 100 days of SNF care for posthospital recuperation.
They suggested Ecstasy may deplete lifetime reserves of the brain chemical serotonin, which could bring a greater risk in middle age of conditions normally seen only in the elderly, such as Alzheimer's Disease.
Regular use also depletes lifetime reserves of brain chemical serotonin - which could lead to premature Alzheimer's disease.