Business Details
Trusted Medicare Guidance in Redlands, CA
Welsh Insurance Services is a locally owned and operated insurance brokerage in Redlands, CA, specializing in Medicare guidance for individuals and families transitioning into retirement. Founded on the principles of personalized support and local expertise, the company is led by Scott and Sarah Welsh, a husband-and-wife team with decades of combined experience in healthcare insurance. Sarah brings 30 years of specialized knowledge in Medicare billing and supplement insurance, while Scott contributes over 25 years of experience from the media industry, ensuring clients receive clear, actionable advice tailored to their unique needs. The company conducts no-cost, no-obligation consultations to help clients understand Medicare basics, compare health plan options, and make informed decisions about their coverage. Welsh Insurance Services represents 10 organizations offering 40+ products, providing access to a wide range of Medicare Advantage and Supplement plans while maintaining partnerships with local medical groups.The team values long-term client relationships, offering ongoing support beyond enrollment and prioritizing transparency, ethical practices, and community engagement. Their approach includes in-home appointments, assistance with prescription drug coverage, and guidance on navigating the complexities of Medicare Parts A, B, C, and D. As active community volunteers, Scott and Sarah are deeply invested in the Redlands area, with Scott serving as a former Redlands Chamber of Commerce President and Sarah as a former Girl Scout leader. Their commitment to simplifying Medicare transitions has earned them the trust of over 4,000 local clients, with testimonials highlighting their professionalism, patience, and ability to demystify complex insurance concepts.
Services
Medicare Guidance
Medicare Supplement Plans
Medicare Advantage Plans
Prescription Drug Coverage
Free Consultations
Highlights and features
- We offer free, no-obligation Medicare consultations tailored to your specific needs.
- Our team has decades of combined experience in Medicare billing and insurance.
- We provide personalized support for prescription drug coverage and plan comparisons.
- We represent 40+ Medicare plans from 10 organizations in Southern California.
- We maintain long-term client relationships with ongoing support beyond enrollment.
What people say
Knowledgeable, professional
Caring, patient
Timely follow-up
Removed the guesswork
Smooth transition
Services
Medicare Guidance
Welsh Insurance Services provides comprehensive Medicare guidance to help clients understand their healthcare options during retirement transitions. Our experts explain Medicare Parts A, B, C, and D, compare plan benefits, and identify coverage gaps. We assist with enrollment in Medicare Advantage or Supplement plans while ensuring alignment with clients' preferred medical providers, prescription needs, and budget constraints.
Medicare Supplement Plans
We offer Medicare Supplement (Medigap) plans that fill coverage gaps in Original Medicare. These plans help pay for out-of-pocket costs like deductibles, copayments, and coinsurance. Our brokers compare available Medigap options from multiple insurers to find plans that best match clients' healthcare needs and financial situations while maintaining provider network flexibility.
Medicare Advantage Plans
Our team specializes in Medicare Advantage (Part C) plans that bundle hospital, medical, and prescription drug coverage. We analyze HMO, PPO, and PFFS options from 10 participating organizations to identify cost-effective solutions with low premiums and network providers. We ensure clients understand plan rules, referral requirements, and prescription formulary details before enrollment.
Prescription Drug Coverage
We provide expert analysis of Medicare Part D prescription drug plans to help clients minimize medication costs. Our brokers compare formularies, coverage tiers, and pharmacy networks across available options. We ensure plan selections align with clients' current medications while providing protection against future prescription cost increases through comprehensive drug coverage solutions.
Free Consultations
We offer no-cost, no-obligation consultations to help clients understand their Medicare options. During these one-hour sessions, our experts review individual healthcare needs, preferred providers, and budget considerations. We provide personalized recommendations for Original Medicare with supplements, Advantage plans, or prescription coverage while maintaining complete transparency about all plan features and costs.
People
Sarah Welsh
Licensed Insurance Broker
Sarah Welsh has 30 years of experience in Medicare billing and insurance. She holds California License #0G47539 and specializes in helping clients navigate Medicare Supplement plans. Her expertise ensures clients receive tailored insurance solutions with clear explanations of coverage options.
Scott Welsh
Licensed Insurance Broker
Scott Welsh joined the insurance industry in 2013 after 25 years in media. He holds California License #0I40856 and focuses on Medicare Advantage plans, Individual/Family coverage, and small business group health plans. He brings communication expertise to simplify complex insurance concepts for clients.
Questions
How do I enroll in Medicare?
If you're receiving Social Security benefits, you'll automatically enroll in Parts A and B at 65. Otherwise, you can enroll online at ssa.gov or medicare.gov. We can assist with enrollment at any stage.
What are Medicare Part C plans?
Medicare Advantage (Part C) plans bundle Parts A, B, and D coverage from private insurers. These plans often have $0 premiums with network providers, offering cost-effective solutions that include prescription drug coverage.
Do I need Part D prescription coverage?
Part D provides prescription drug coverage through private insurers. While optional, it protects against rising medication costs. We can help compare formularies and costs to determine if you need this coverage.
Can I keep employer insurance with Medicare?
Yes, if you have creditable employer coverage, you can delay Part B enrollment without penalties. When you lose employer coverage, you'll have 8 months to enroll in Medicare without penalty.
What's the difference between Medicare and Medicaid?
Medicare is for those 65+ or with disabilities, covering hospital and medical services. Medicaid (Medi-Cal in CA) serves low-income individuals. Some qualify for both programs, which can work together for comprehensive coverage.
Do you charge for consultations?
No, we provide free, no-obligation consultations. We're paid by insurance carriers when you enroll, so there are no broker fees or additional costs for our services.
