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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.
Medicare will be the secondary payer on services covered under employer-sponsored group health plans. If you are disabled and covered under a group health plan, either through your own employer or the employer of a spouse or family member, you must apply for benefits from your group health plan first.