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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.
I need your input! I'll be on Medicare Jan '11. Right now I have insurance through my husband's work. If I stay on with his insurance, it'll be my secondary insurance. But the premiums and deductibles are really high. Do I really need a secondary insurance, or will Medicare A & B cover my medical bills? I've heard Medicare will pay for my 4 night-a-week TPN costs. And my family dr. takes it, but my GI at Mayo will charge 15% over what Medicare pays.