A rule tied to your birthday could help you cut Medigap costs and avoid health-based denials. Mariia Siurtukova/Getty Images

Healthcare costs continue to climb for tens of millions of Medicare beneficiaries, with the average senior spending over $7,000 annually on medical expenses, even with Medicare coverage. Given those high out-of-pocket costs, roughly one in four Original Medicare enrollees opt to turn to Medicare supplemental insurance , also known as Medigap, to help bridge the coverage gaps. The problem is, though, that many seniors later find themselves locked into their initial Medigap plan.

In these cases, these adults find themselves unable to switch to potentially better or more affordable supplemental options due to the medical underwriting requirements that ex

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