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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.
Secondary insurance kicks in when your primary insurer's coverage ends. Many health insurance plans are great for covering day-to-day medical expenses, but if you wind up in the hospital or face other long-term care, their deductibles can quickly eat up a large chunk of your budget.