What about my health insurance or my Medigap policy?

Like Medicare, your health insurance pays only for treatment and rehabilitative care.  It will not pay for custodial care in a nursing home.  Your Medigap policy is considered a supplement to Medicare benefits:  it pays only if Medicare pays.  These insurance policies are also known as Medicare Supplements.  When you do not qualify for Medicare, or when your Medicare stops paying benefits, your Medigap policy also stops paying.  Only Medicaid pays for long-term care costs.