Most health insurance, Medicare, Medigap Medicare Supplement Insurance (Medigap) is designed to provide coverage that Original Medicare (Parts A and B) does not. Medigap policies are purchased in addition to Original Medicare and have their own monthly premiums you'll need to pay. and Disability Insurance policies do not cover long-term medical needs. Health insurance and Medicare will often cover skilled, short-term, medically necessary treatments, but they often limit the care to 100 days. To be sure, check your policy or ask an enrollment specialist.