Your coverage and timing
Compare Medicare with the coverage you have today and understand important enrollment dates before making a change.
Your SmartConnect Medicare advisor
Licensed Insurance Agent
I help people compare Medicare with the coverage they have today, understand the tradeoffs, and decide when — or whether — a change makes sense.
A conversation before a comparison
Medicare does not automatically have to begin at retirement. Your current coverage, expected healthcare needs, budget, prescriptions, and timing all matter. SmartConnect helps you understand those pieces before you compare products.
Compare Medicare with the coverage you have today and understand important enrollment dates before making a change.
Discuss doctors, prescriptions, travel, provider flexibility, and the benefits that matter most to you.
Look beyond the monthly premium to deductibles, copays, coinsurance, and potential out-of-pocket exposure.
The full Medicare picture
No single product is right for everyone. Your advisor can explain the differences among the options SmartMatch represents in your area.
Medicare Supplement works alongside Original Medicare and can help cover certain out-of-pocket costs. Most plans let you see any provider that accepts Medicare, which can appeal to people who value broad provider access and more predictable cost sharing.
Learn moreReceive Medicare Parts A and B through a private insurer, often with Part D prescription coverage and additional benefits. Networks, costs, and benefits vary by plan.
Learn moreStandalone prescription drug coverage can pair with Original Medicare and Medicare Supplement. Formularies, pharmacies, and costs differ by plan.
Learn moreAlso available: dental, vision and hearing coverage; hospital indemnity; critical illness; and accident coverage. Product availability varies.
A relationship, not a transaction
SmartConnect combines the resources of a national Medicare agency with direct access to a dedicated licensed insurance agent.
Work directly with Kelsey to ask questions, revisit tradeoffs, and move at a pace that works for you.
Review Original Medicare, Medicare Supplement, Medicare Advantage, and prescription coverage—not just one product category.
If you enroll, SmartMatch’s Customer Success Team remains available for questions, policy reviews, and appropriate help contacting your carrier.
Common questions
Start here, then talk with Kelsey Munsterman about your coverage and timing.
No. Retirement and Medicare eligibility are separate decisions. Whether it makes sense to enroll while you are still working depends on factors such as your employer coverage, employer size, Health Savings Account contributions, costs, and eligibility. A licensed insurance agent can help you identify questions to review with your benefits administrator.
No. Your consultation is provided at no cost, and there is no obligation to enroll.
Yes. Your advisor can help you compare premiums, deductibles, copayments, coinsurance, provider access, prescription coverage, and covered benefits. Your actual costs depend on the coverage and services you use.
Medicare Supplement plans work with Original Medicare and can help pay certain out-of-pocket costs. They may appeal to people who value broad provider access and more predictable cost sharing. Premiums, eligibility rules, and available plans vary, so they should be compared with Medicare Advantage and your current coverage.
SmartConnect programs may extend Medicare education and consultation support to eligible family members. Program access can vary by organization, so ask your advisor how your organization’s relationship works.
Your insurance company will send coverage and next-step information. SmartMatch’s Customer Success Team remains available to answer questions and may assist with policy reviews or contacting the carrier when appropriate.
No cost. No pressure.
Compare your current coverage with the Medicare paths available to you, and decide what makes sense on your timeline.
Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.
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