 Coverage was increased in 2006, but many elders nonetheless choose to carry supplemental health insurance to fill in the gaps (hence the name Medigap insurance).However, Medicare excludes coverage for skilled nursing facilities except up to 100 days arising from hospitalization after 90 days away from hospital or nursing home.Funding for long-term care may come from the patient, long-term care insurance, or Medicaid benefits when the patient qualifies.