Navigating Medicare can feel like walking into a decision minefield where a single misstep can lead to penalties or inadequate coverage. Being aware of these risks helps your associates stay in control and avoid costly mistakes. Here are some situations or questions you may run into!

• Creditable Coverage: If an associate lacks creditable coverage, they risk a permanent late-enrollment penalty for delaying Medicare Part B or Part D enrollment.
• Health Savings Account (HSA): Once enrolled in Part A, an individual can't contribute to an HSA without incurring tax penalties.
• Income Related Monthly Adjustment Amount (IRMAA): Affects their Part B and D premiums based on modified gross income from the past two years' tax returns.
• The Spousal Coverage Dilemma: This arises when one partner retires, potentially leaving the younger spouse without affordable private insurance.

If they are ready for personalized guidance, direct them to the SmartConnect Medicare Recommendation Tool—it’s the perfect first step to moving forward!

Download our new "Medicare Mistakes" engagement flyer, and attach it to the email template below.

• Email Template

You can find the flyer under the "Marketing" Tab in your portal once you log in. Click that tab and open the "Beneficiary Assets" drop down to see the flyer.

Share the SmartConnect Q2 webinar flyer with your organization. Our webinars are designed to provide valuable information about Medicare and how SmartConnect can assist your employee's and their loved ones with their Medicare needs.

Plan and organize your Q2 communications using our SmartConnect communication and events calendar.