Give ongoing care priority
List your conditions, treatments, specialists and prescriptions. Review how the exact arrangement handles them, including any pre-existing condition restrictions.
For early retirement, career changes and time between jobs
Make the years before Medicare a little clearer.
You deserve a careful look at your healthcare before age 65. SmartHealth can help you explore benefits and understand how each option handles your doctors, medications and ongoing needs.
A quote request does not enroll you or guarantee benefits.
Understand the arrangement. SHC options may combine insured and non-insured benefits. Medical sharing is not insurance. These arrangements differ from traditional major medical coverage; review the exact plan before choosing.
Built around your priorities
Your next chapter starts with the details.
Compare the whole arrangement
Look at routine care, larger medical needs and services that are excluded. Understand how insured benefits and non-insurance medical sharing differ.
Coordinate the timing
Confirm age eligibility and effective dates. Plan your transition from current benefits and your eventual Medicare enrollment with the right guidance.
Prepare for a useful conversation
A little preparation. A more personal quote.
Share what matters to you so the comparison reflects your life. Review monthly costs alongside service costs, provider access and benefit limitations.
Explore my pre-Medicare options ?Have these details ready
- Age, location and expected transition dates
- Ongoing conditions, treatments and prescriptions
- Current benefits and available alternatives
Discuss sensitive medical information directly with your advisor through the appropriate process.
SmartHealth Everyday options
Explore the plans. Compare the details.
Start with your care needs. Your advisor can help you determine which arrangements are available and explain the differences.
Everyday
Preventive Plus
Virtual care, preventive visit benefits, prescription discounts and medical sharing. Review visit allowances and sharing rules.
Read plan details ?Everyday
FlexCare
Primary care copays, virtual services and prescription benefits, with separate medical sharing for eligible larger expenses.
Read plan details ?Everyday
VitalCare
Defined outpatient copays for primary and specialist visits, plus virtual care and separate medical-sharing options.
Read plan details ?Everyday
Essential MV
Routine and virtual care with defined hospital and surgical benefits. Review deductibles, service limits and exclusions.
Read plan details ?Plan descriptions are starting points, not a recommendation or a guarantee of benefits. Obtain a personalized quote and the current plan documents.
Answers before you decide
Your questions deserve clear answers.
Is this Medicare coverage?
No. These pages describe SHC healthcare benefit options for people who are not yet Medicare eligible. They are not Medicare plans.
Are pre-existing conditions handled the same way?
No. The specific plan or medical-sharing guidelines determine eligibility and restrictions. Discuss your ongoing needs before choosing.
What should I compare before early retirement?
Compare available employer continuation, Marketplace and other options alongside SHC benefits. Review total costs, covered services, exclusions and effective dates.
What happens after I request a quote?
Review available options with an advisor, confirm eligibility and costs, and read the plan documents. Complete enrollment only after you understand the arrangement and have confirmed the effective date.
People first. Clear guidance.
Let’s find your next step.
Explore benefits around your needs, with someone to explain the details.