There are very limited benefits for long-term care under a Medigap plan (up to 100 days of skilled nursing care). 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 (I can’t stress this enough!) 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.