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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.
Answer: Medicare may be the secondary payer when you have health care coverage through your work. See the information under Coordination of Medicare and Other Coverage for Working Beneficiaries with Disabilities about when Medicare is a secondary payer or primary payer.