Do Medigap Policies Cover Long Term Care? 
There are very limited benefits for long-term care under a Medigap plan -LRB- up to 100 days of skilled nursing care -RRB- . Before a medigap plan will pay any LTC benefits , Medicare must first approve the charge before a Medigap plan can pay anything . There are also multiple conditions that have to be met for Medicare to approve the skilled nursing care benefit - you can check the medicare.gov website for a detailed list . If you want long term care coverage , you will need to secure a separate long-term care insurance policy -LRB- I ca n't stress this enough ! -RRB- or a long-term care rider on a life insurance policy if you 're looking to purchase one as well . They are very customizable and coverage can be provided for years upon a claim . I hope the information is helpful - please feel free to contact me if you need help with your coverage and if you have any other questions . Thanks very much . 