909-307-5900
Medicare for Loma Linda, California
Who can you trust to talk to about Medicare?
Residents in Loma Linda choose Welsh Insurance Services for knowledgeable, compassionate guidance. We provide the following to every client for $0 cost:
- We explain everything clearly—no jargon, no pressure
- We’re local and accessible
- We are happy to meet in person or by phone
- We take the time to understand your unique situation
- You’ll always speak with Scott or Sarah Welsh—never a call center
Fill out this form for booking online.
Who we are
Wouldn't you rather talk to someone local who understands?
We make Medicare easier to understand by offering clear explanations, personal guidance, and support tailored to your unique situation.
Our guidance is always provided at no cost to you—we’re paid by the insurance companies, not by our clients.
Help for Every Stage of Your Medicare Journey
Personalized Medicare Guidance
Are you planning to retire soon? You may qualify for a Special Enrollment Period, which typically begins up to two months before your desired Medicare start date. We’ll help you transition from employer coverage smoothly—without coverage gaps or penalties.
Approaching your 65th birthday? Your Initial Enrollment Period spans seven months—including the three months before, the month of, and three months after your 65th birthday. We’ll walk you through your options and help you make confident choices.
Already enrolled in Medicare? We can help you review your current coverage and prepare for the Annual, Open, or Special Enrollment Periods. Whether you want to make changes or simply explore what’s new, we’re here to guide you.
Local Medical Facilities
Healthcare Resources Near Loma Linda, California
Comprehensive primary and specialty care through an integrated network of physicians, clinics, and academic medical centers serving communities across the Inland Empire.
A physician-led network providing primary and specialty care with accessible, coordinated services for patients with locations in Redlands, Yucaipa, and Beaumont.
A community-based provider offering primary care and internal medicine services with a focus on personalized, patient-centered care for individuals and families in the Redlands and Yucaipa areas.
Optum MG, formerly Beaver Medical Group, is a multi-specialty medical provider offering coordinated primary and specialty care.
A premier teaching hospital and the only Level I trauma center in the Inland Empire, Loma Linda University Medical Center offers comprehensive inpatient, outpatient, and emergency services.
Non-profit acute care hospital with emergency services, hospice, cancer care, and outpatient specialties.
Medicare FAQs
When should I start thinking about Medicare?
You should begin reviewing your Medicare options about six months before turning 65, or sooner if you’re planning to retire and leave employer coverage. Starting early helps you avoid penalties and ensures a smooth transition into the right plan.
What is the difference between Medicare and Medicaid?
Medicare is a federal health insurance program primarily for people aged 65 and older, as well as some younger individuals with certain disabilities. It includes options for hospital coverage (Part A), medical services (Part B), prescription drug plans (Part D), and supplemental or advantage plans.
Medicaid (called Medi-Cal in California) is a state and federally funded program for individuals and families with limited income. Some people qualify for both programs (dual eligibility), and we can help you understand how they work together.
What is the difference between Medicare Advantage (Part C) and Medicare Supplement plans?
Medicare Advantage (Part C) plans combine hospital, medical, and often prescription coverage into one plan—usually with a provider network.
Medicare Supplement (Medigap) plans work alongside Original Medicare to help cover out-of-pocket costs like deductibles and coinsurance. The right choice depends on your health needs, travel plans, and budget—and we’re here to help compare.
What if I’m still working when I turn 65?
If you have health coverage through your employer (or your spouse’s), you may be able to delay certain parts of Medicare without penalty. We’ll review your current coverage and help you decide when it makes sense to enroll.
What is Part D, and do I need it?
Part D is prescription drug coverage, offered through private plans approved by Medicare. Even if you don’t take medications now, enrolling in a plan on time can help avoid future penalties and ensure you’re covered when you need it.
What is the Initial Enrollment Period (IEP)?
Your Initial Enrollment Period is a 7-month window that begins three months before your 65th birthday, includes your birth month, and continues for three months after. This is your first opportunity to enroll in Medicare and select a plan.
What is a Special Enrollment Period?
Special Enrollment Periods (SEPs) allow you to make changes to your Medicare coverage outside the standard enrollment windows—for example, if you move, lose employer coverage, or qualify for Medicaid. We’ll help determine if you qualify.
Can you help me even if I’ve already enrolled in Medicare?
Yes. We offer ongoing support, including annual plan reviews, updates during the Annual Enrollment Period (October 15 – December 7), and answers to any Medicare-related questions throughout the year.
Do you charge for your services?
No. Our services are provided at $0 cost to you. We are compensated by the insurance companies we represent, but our priority is helping you find the coverage that best fits your needs—not selling a specific plan.
I’m helping a parent or loved one—can you work with me?
Absolutely. Whether you’re helping with plan selection, billing questions, or enrollment paperwork, we can work directly with family members or caregivers to make the process easier and more informed.
Contact Us
Let’s talk about what matters to you.
Call us
Please call us about healthcare options.
Office (909) 307-5900
Sarah (909) 520-8482
Scott (909) 648-1991
Contact us
sarah@lomalindamedicare.com
scott@lomalindamedicare.com
Office Hours
Monday – Friday
9:00am – 5:00pm
909-307-5900
Sarah Welsh – (909) 520-8482 | CA License #0G47539 Scott Welsh – (909) 648-1991 | CA License #0I40856
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 26 products in your area.
Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.