How Does A Medigap Policy Differe From A Long Term Care Policy? 
A Medigap policy , also known as a Medicare Supplement policy is exactly that . It pays for many of the bills left over after Medicare has paid their share . However , they do n't normally pay anything if Medicare does n't pay first . Some Medigap plans also have some long term care benefits added . You should check with an insurance broker for your state to see what is offered where you are . Medicare only pays for a certain number of days in long-term care . Once those days are up , you are responsible for the rest of the bills . Long term care insurance is used to pay for this sort of situation . Normally , it will start paying a set number of days after you begin to need long term care , and continues until you have used up the money in the plan . Medicare and Medigap pay for the first part of your long term care , then LTC insurance takes over . 