RL Wells & Associates

Derek is my go-to guy when it comes to all things related to health insurance. He is so clear and helpful and calm and informative and positive! He doesn't know it but he just saved me $875 by encouraging me to question a denied claim by insurance, which they then paid in full. Last month he walked me through signing up for Medicare Plans A and B, a Medicare supplement and Pharmacy Plan D, which throws most people into despair! All my family has worthwhile dental insurance, thanks to Derek. Thanks, Derek. You are my anti-anxiety pill! Janet

In this day and age it is surprising when you receive more than what was expected but that was the case with Rick and his associates. When my wife's COBRA ran out I needed to sign up for Medicare and a Medicare supplement. Even though I am in my 70's I was not covered by Social Security so it was not necessarily going to be an easy path to claim Medicare benefits. Rick went through all the options available to me explaining the advantages of each policy available to me and when I had made the decisions that were best for me Rick went through all the forms with me to make sure everything was filled out correctly. Rick had made everything so incredibly easy!

But the best part was it was all done with no charge to me! For any of you that are trying to go through the governmental maze that is our healthcare system I whole heartedly recommend that you give Rick and his associates a call.

I was referred to Derek Traub by a good friend who has been getting amazing assistance by him over the years. He opened an insurance coverage for her and has always been by her side answering questions, helping resolve issues, giving pointers, and advice. I didn't have to think twice when it came to getting my own insurance coverage. So I called him today and had the most amazing assistance and help from him in choosing the best dental insurance coverage.

The insurance enrollment itself took less than 5 minutes but the amount of information he provided me was immense and so very helpful. I then talked to him about my mother's Medicare coverage and he also provided great help and advice to us on this. Overall, I would HIGHLY recommend him to anyone! Thank you Derek for all of your help and words of wisdom! He has been doing this for 16 years and he definitely knows all the ins and outs.

Rick has been assisting me for several years now. Not only is he beyond knowledgeable when it comes to insurance related matters, but he is also incredibly generous with his time. Every single time I have messaged Rick, he has instantly replied with loads of information. Valuable information I never even requested. In short, Rick has made the entire process of understanding and applying for insurance simple and pleasant. I can't recommend him enough.

I was totally lost when I contacted Rick at R.L. Wells and Associates. I'd just learned that my health insurance company had dropped me because I reached my lifetime max of benefits to be paid out. I was terrified; I have multiple sclerosis, and had NO idea what to do. Rick SAVED ME. He steered me through the labyrinth of jargon, legalese, and health insurance ins and outs.

He did it all with cheerfulness, friendliness, COMPETENCE, and speed. He thought of things I never would have known to do, and because of him, we'll be getting a policy that is less than half of what we'd first thought --- AND the policy will cover my MS medication. We'll be breathing more easily when it's time to sign up for Medicare, because we'll definitely contact Rick. What a life-saver!

Derek helped me pick out a new insurance and it was a painless easy process. It pretty much did all the work and it didn't cost me anything. Highly recommend

I was helping my in-laws sign up for Medicare supplemental and Part D and heard good things about RL Wells & Associates from a colleague. From start to finish, my in-laws had their supplemental and Part D set up within 10 days! Derek was awesome and walked us through the whole application and approval process. He was highly responsive to phone calls and emails. Best of all, it didn't cost anything to use their service!

Unfamiliar territory for me, so I went looking and researching to find an insurance broker. Since I have been handling my ex's affairs, I have been relying heavily on Yelp. I reached out via email, and received a reply later in the afternoon. Today I spoke with Nicole, and I feel so relieved. Sometimes you just have to let experts do their jobs. She's friendly, kind and very knowledgeable!

After discussing my role and the current situation, she was able to set my mind at ease. In fact, ( I like how they can offer solid advice), I will have my two adult sons reach out to her for their personal insurance needs. Thanks for the great service you prove!

Rick is very nice and he helped us get all are medical insurance taken care of, if it wasn't for Rick we don't know what we would have done THANK YOU SO MUCH RICK.

The service at RL Wells is outstanding. I have worked with Derek several times to select insurance. He is very knowledgeable and helpful and responds very promptly whenever I have questions. He was great at explaining some of the insurance issues to me so that I can make a choice on the right insurance for my situation. I am so satisfied with there service that I have recommended them to several of my friends.

Always gives good advice and cares about the client not just trying to make the sale. Highly recommend them.

I've had the pleasure of having Helen and Rick Wells who have been extremely insightful working on our behalf to find health insurance coverage that works for us given our change of status to retired life and private coverage plans. Navigating the world of Covered California and various private sector options, combined with annual changes in policies and what that meant for me and family, was a daunting task but they made it a breeze.

I am always informed by the latest of what is happening in the industry and the Well's family is very generous with their time to identify the best insurance solution for us.

Helen helped me manage my covered California for several years making it very easy for me. She was able to answer all questions and updated my account as needed over the years. RL Wells also pointed me in the right direction to get dental insurance. Thank you for all your help

It didn't even hurt! Dereck is the best man for the job. He is kind, patient & very caring. My husband & I are too young for Medicare but are disabled. (In court) until now we have had corporate insurance. The last 18mos we have been paying 1300mo for Cobra. It ran out Jan 1st 2021. Another company tried to take me for 650.00 mo for a gap insurance.

The owner, Rick wells has been called to do this work. Rick & Derek both have prayed w me. The best gift from God is we now have Blue Shield insurance! That in itself is a blessing! The best part is we payed for the whole thing in one payment of $24.00 for the whole year! That's not a misprint, $2.00 a month! We got a 1300.00 raise a month. God is good & so is RL Wells & Associates. Thank you Derek

The person I worked with at RL Wells, Derek, is beyond excellent. He responded to all email messages and phone calls very promptly. I chose him to help me select Medicare Advantage and Drug plans. Derek made the process easy and painless for me. I highly recommend RL Wells & Associates

Derek is a true professional and a pleasure to work with. Being self employed, he was able to search and secure medical coverage for us at the best rates available. He either has the answer to my questions or researches and gets right back to me. Highly recommend him!

My wife Denise and I have used RL Wells & Associates for several years now, always with excellent results. Nicole Schoen-Wells has made it a point to reach out to us every year to update our Medicare plans, send us the necessary paperwork well marked indicating where our inputs are needed, and scheduling a phone call to describe changes and recommendations for the coming year.

She has also been very helpful to our daughter who is a self employed violin teacher and relies on ACA. With Nicole's assistance she has been able to save her several thousand dollars a year over the poor service she was receiving from another licensed insurance agent. Nicole will make sure your best interests are central to her service and not have any conflicting agendas. Nicole is very patient and takes the time to explain in detail all the changes that have taken place and will provide you with comprehensive printouts of all your Medicare Plan D options along with her recommendations based on your past prescription needs. Wells services all of California, so don't feel it is necessary that you reside close to Elk Grove. We live in Southern California and the miles are transparent in our transactions with Wells.

I love RL Wells. My Dr referred me to the company and I'm so glad she did. I've been so happy for about 7 years now. They're always professional, (Nicole has been my representative) very timely with helpful, valid information. Great service. I wish all businesses could take after them. I'm a Happy customer for sure and highly recommend them. The insurance business can be so confusing. You can get help making sense of it all with RL Wells.

I have had a great experience working with Derek for the last few years. He is friendly, helpful and thorough. I can always trust him to give me a good, clear assessment of my options based on my circumstances and to resolve any questions I might have.

Husband and I are expecting and we needed a new health plan pretty quickly as current coverage is ending. Nicole was referred to us by a close family friend. We got in touch pretty quickly and she provided very detailed and thorough information about various plans and which plan would be a great fit for us during our pregnancy. It was a very smooth process and we are extremely happy with the services provided.

We are now enrolled in a new health plan with great benefits. I highly recommend this business and Nicole! They really helped me find a great cost efficient plan that worked for our budget.

We are very pleased with our experience with RL Wells. They were very helpful in finding us the right coverage as well as navigating the Covered California process. We are so glad we found them. If you need help finding health coverage, we recommend them highly.

Just lost my job a month ago and was recommended by a friend. Derek was such a pleasure to work with while I was trying to get insurance again! He was so prompt with communication, kind, and knowledgable. In only one short call I was able to figure out what I needed and he gave me all the tools to pick the best plan for me. In DAYS I was set up with a comparable plan that I could afford! The way he treats people is top notch and I will continue to go to this company when I need help.

We have worked with Nicole from RL Wells for the last 3 years and she has been nothing short of amazing! She is incredibly patient with helping us find the best health coverage for our family. We can tell she really cares about helping her clients and is ready & willing to offer suggestions. We can't thank her enough for all she has done! HIGHLY recommend Nicole & the RL Wells team!

RL Wells & Associates was recommended to me by a friend in 2013. My son had turned 26 and I had no idea how to find health insurance for him. Nicole guided me through the process step by step. She was in contact with me by phone and by email until decisions were made, paperwork submitted and acceptance by our choice of insurers was confirmed. The brokerage is a family owned business.

The following year and each year since, Helen Wells has guided me through the maze of health insurance choices for my son, my daughter and now my son-in-law. Helen is extremely knowledgeable, researched my options, responds to calls and emails within hours, even after hours. Helen always has my best interests at heart, is compassionate, is just a lovely person.

She takes care of all the paperwork and is my link to the company we finally select. In all my years, 70 of them, I have never experienced the level of customer service that Nicole and Helen provide to all who see their guidance. It is difficult to put into words the great relief their service has provided for me and my family.

Derek was super super super helpful. I quit my job to start a business and was concerned about not having health insurance. I was put in touch with Derek and get free advice on the phone. He went through all of the options in detail and recommended what I should do. He recommended honestly without trying to sell me anything. They got paid nothing for this advice. This is great customer service! Derek is truly a great citizen! Thank you Derek!

If you're in California and need help with any insurance choices or understanding benefits- COBRA, Covered CA, etc- please please please go to them. They will walk you through your options and help you understand them. I reached out to Rick and Derek based on a recommendation from my doctor and I am so pleased with all the help they gave me. They seem to be a small mom and pop place, which is crazy for the amount of work they do for each person!

I was able to sign up for benefits and understand how each premium cost as well as how it would affect my current providers during this stressful time. I cannot be more thankful. In a stressful time, Derek was able to guide me through such a hassle insurance can be and made my life easier. He helped me sign up and make a payment as well as answered all my questions. Thank you again!

Are you looking for a place for Individual, Family, Group insurance? This should be your first stop. Very knowledgeable.