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The truth is that both of them are quite different from each other. A Medicare Supplemental Insurance policy is a private health insurance policy especially intended to fill in the gaps where Original Medicare falls short. Herein, the Medicare is the primary or the first payer. A Medigap insurance policy pays for the costs that are not covered in Medicare because of the limits or the insurance deductible amounts under the Medicare plan.
Medicare is secondary for all employees enrolled in the plan if a plan is a multi-employer plan, such as a union plan that covers employees of some small employers and also employees of at least one employer that meets the 100-or-more employee requirement, including those that work for small employers.