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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.
Deductibles, co-payments, and co-insurance. Medicare Part B comes with a $183 annual deductible in 2018. Part B wonât pay for anything until you pay that amount each year that you use the coverage. After you pay the deductible, you still pay for a portion of the services covered by Part B.