Does Insurance Cover Nursing Home? 
Some health insurance plans will cover treatment in an ECF -LRB- extended care facility -RRB- . The general rule is you must be discharged directly to the ECF following a hospital admission , usually lasting 3 days or longer . Your ECF benefits are usually limited to 30 - 90 days as an inpatient . Not really what one would consider long term care but more short term care . Also your major medical plan may cover some home health care visits and private duty nursing . 