How to properly connect SMD component to inner layer
To connect between top layer and inner layers, you need to use vias - these are basically plated holes that can take signals through the board.

Connect your component to the vias using copper pours or traces. You can also use multiple vias if you want more current handling capacity.

You don't need specialist vias for this purpose. Vias allows connection to all layers. However they will only connect to copper belonging to their own signal. Planes on the inner layers will behave just like planes on the outer layers - they will avoid anything that they are not on the same net as. 

The net result is that as your via goes through the board, there will be no shorts to planes on any layer that is of a different signal. A GND via will for example not connect up to a +5V plane - in fact the plane will cut away to avoid it.