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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.
If employees have coverage as good as or better than Medicare under their retiree benefits, they might be able to defer Medicare Part Bâif their retiree health care plan allows them to do so. However, some retiree plans stipulate that Medicare is the primary payer and the retiree plan is the secondary payer.