Susan Diamond, Medicare Insurance Broker
Susan Diamond
Health Options NY
Medicare Broker Licensed in NY
8+ Years of Experience
Contact Details
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Location
Kingston, NY
Susan Can Help With:
About Me
Hello, my name is Susan Diamond, a long-time Kingston resident and an independent licensed Medicare insurance broker. But more importantly, I’m your neighbor, and I’m here to help.
Medicare can be confusing—trust me, I’ve helped plenty of local folks navigate the process, and I’d love to do the same for you. My clients know they can count on me year-round to answer questions, offer support, and clear up the confusion.
And the best part? My help is always free.
With all the commercials out there, Medicare can feel overwhelming. That’s where I come in. I’ll walk you through your options, tailor everything to you, and answer your questions to make the process easy.
If you’re ready to get started, we can connect by phone, Zoom, or meet in person at my Kingston office—whatever works best for you
Directions to My Office
Q&A with Susan Diamond
What are the reasons why I should work with a Medicare agent?
Answer: Medicare can feel confusing and overwhelming, but an experienced agent can make the process simple and stress-free. I’m here to help you figure out what works best for your needs, preferences, and budget, walk you through your options, and answer any questions you might have along the way. My goal is to make sure you feel confident and informed every step of the way.
My clients know they can rely on me year-round for support, answers, and clarity. Best of all, my assistance is always completely free.
Do I have to apply for Medicare if I am still working past 65?
Answer: When considering Medicare enrollment, the size of your employer is a key factor to evaluate.
Are you working for a large employer or a small employer? Let’s break it down:
If you’re turning 65 and covered by a large employer’s health plan (with 20 or more employees), your group health plan will remain your primary coverage, while Medicare takes a secondary role. In this scenario, enrolling in Medicare Part A or Part B may not be necessary.
However, many people choose to enroll in Part A since it typically doesn’t have a monthly premium if you’re eligible. I recommend holding off on Part B, as it does come with a monthly premium. There’s no need to pay for both your group plan and Part B when your group plan is already taking care of your primary coverage. Instead, you can enroll in Part B later, such as when you retire or leave your group plan, without incurring a penalty because your group coverage qualifies as creditable employment-based insurance.
Now, let’s look at the situation if your employer has fewer than 20 employees. In this case, Medicare becomes your primary insurance, and your group health plan shifts to secondary coverage. This means you’ll need to enroll in both Part A and Part B to maintain full coverage.
Understanding how Medicare coordinates with your employer’s health plan is essential for making the right choice and avoiding unnecessary expenses.