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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.
For most beneficiaries, Part A has no monthly premium cost, as theyâve already paid through lifelong payroll deductions. But you still need to pay the deductible before Medicare kicks in. In 2017, per benefit period, the deductible for Part A is $1,316; in 2016, it was $1,288. Generally, enrollees are billed on a quarterly basis, and payments can be made by check, credit card or checking account deduction.