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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.
Original Medicare doesn't cover everything. 1  Medicare doesn't cover the following: 2  Acupuncture. 3  Long-term care or nursing home care. 4  Personal nursing. 5  Routine vision care, including eye exams, glasses, and contact lenses. 6  Routine dental care, including cleanings and fillings. 7  Hearing aids. 8  Dentures. 9  Cosmetic surgery.