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Explore why investing in health insurance is a wise decision for young and healthy individuals in Reno. Learn about the benefits, cost-effectiveness, and long-term value of having coverage with Nevada Silver.

The Unpredictable Nature of Health and Medical Costs

In the bustling city of Reno, young professionals and adults often juggle numerous priorities, from career growth to personal development. However, one aspect that frequently gets overlooked is health insurance. Many young and healthy individuals question the necessity of health insurance, especially when medical issues seem like a distant concern. But the reality is, health can be unpredictable, and the cost of medical care is consistently rising. Investing in health insurance early not only serves as a financial safety net but also offers comprehensive coverage with lower premiums.

Securing Lower Premiums and Better Terms

Starting your health insurance journey early in life, particularly in your 20s and 30s, can be significantly cost-effective. Insurance companies often offer lower premiums to younger, healthier individuals as they are viewed as lower risk compared to older clients. By locking in these advantageous rates, you not only save money in the short term but also secure favorable terms that can benefit you in the long run.

Long-term Savings and Financial Planning

Investing in health insurance at a younger age is not just about immediate benefits. It's an integral part of sound financial planning. By securing lower rates now, you're setting up a foundation for financial stability. Health insurance can protect you from unexpected medical expenses that can derail your financial goals, ensuring that your savings and investment plans remain on track.

Protection Against the Unforeseen

No one can predict when a medical emergency will strike. Even if you're the epitome of health right now, accidents and sudden illnesses are realities of life. Having health insurance in place means you're prepared for these unforeseen events. It's not just about having a backup plan; it's about ensuring that you can receive the best possible care without the stress of overwhelming expenses.

Peace of Mind for You and Your Loved Ones

Knowing that you're covered in case of emergencies brings peace of mind not just to you, but also to your loved ones. Your family and friends can rest easy knowing that your health and finances are protected, allowing them to focus on supporting you through recovery rather than worrying about medical bills.

Regular Check-ups and Early Detection

One of the often-overlooked benefits of health insurance is access to preventive care. Regular check-ups, screenings, and vaccinations are crucial for maintaining good health and early detection of potential health issues. With health insurance, these preventive measures are often covered, encouraging you to take proactive steps in managing your health.

Investing in Your Future Health

By taking advantage of preventive care, you're not just taking care of your current health; you're investing in your future well-being. Regular health monitoring can lead to early intervention, lessening the severity of potential health issues and reducing long-term healthcare costs.

Building a Comprehensive Financial Safety Net

Health insurance is more than just a medical necessity; it's a crucial component of a comprehensive financial strategy. It protects you from the risk of incurring debt due to unexpected medical expenses, ensuring that your financial goals and lifestyle are not compromised.

The Role of Health Insurance in Financial Peace of Mind

Including health insurance in your financial planning provides a sense of security, knowing that you're prepared for life's uncertainties. It's an investment in your peace of mind, safeguarding your health and financial future.

Taking the Next Steps with Nevada Silver

As a young adult or professional in Reno, taking control of your health and financial future is crucial. Nevada Silver offers a range of health insurance plans tailored to meet your needs and lifestyle. We encourage you to explore these options, get a quote, or contact an agent for personalized consultation. Investing in health insurance is not just a prudent decision for today; it's a step towards securing your future.

Why Should I Use An Insurance Broker?

When it comes to navigating the complex world of insurance, partnering with an insurance broker can provide significant advantages. At NV Silver Agency, we understand that finding the right insurance coverage can be overwhelming, especially if you're uncertain about your specific needs. Here's why choosing our experienced insurance agency as your trusted insurance brokers is a smart choice:

By utilizing the services of an insurance broker like NV Silver Agency, you gain access to a wealth of knowledge, extensive options, and ongoing support. We simplify the insurance process, empowering you to make informed decisions and secure the coverage you need. Trust us to be your dedicated partner, guiding you every step of the way, and ensuring that you receive the insurance solutions that best align with your requirements. Contact us today to experience the advantages of having professional insurance brokers.

At Nevada Silver, we understand that health insurance is just one aspect of your overall well-being. That's why we proudly extend our services to include a wide array of additional coverages in the insurance industry that seamlessly complement your health insurance. Take a moment to explore our insurance agency options in Nevada available to our valued clients:

Discover the myriad benefits of choosing Nevada Silver Life and Health Agency as your trusted insurance provider. While our primary focus lies in offering exceptional health insurance coverage, we go above and beyond to provide a diverse range of complementary coverages to meet all of your insurance needs. We believe in offering a comprehensive package that ensures your peace of mind and protects you and your loved ones from unexpected financial burdens.

To learn more about the full range of coverages we offer and to receive a personalized quote, we encourage you to contact our dedicated team of agents: Gina, David, John, and Mary Lou. With their expertise and knowledge of the insurance landscape, they will guide you in selecting the plan that best aligns with your unique needs.

Connect with us today at NVSilver Life and Health LLC by calling 775-829-1221. Discover the peace of mind that comes from having comprehensive coverage that truly addresses all aspects of your life. Nevada Silver Life and Health Agency is committed to providing exceptional insurance solutions and ensuring your well-being every step of the way. Trust us to be your comprehensive insurance solution in Nevada.

May Is Disability Insurance Awareness Month: Learn About Your Insurance Options

May is Disability Insurance Awareness Month and to promote the importance of disability insurance, we’re arming everyone we can with valuable information to prepare them for setting up their own policy. While you may be thinking that your home or retirement plan is your biggest asset, you’d be mistaken. Actually, your lifetime earning potential is your greatest asset as it ensures continuous income.


Disability insurance protects your income, the asset on which you rely to live. It also provides much-needed reassurance and peace of mind that you won’t lose that income in the event that you become ill or disabled. The Nevada Silver Life & Health insurance Agents at NV Silver are here to help you understand your insurance options to choose the right plan. Learn more with us below! 

Choosing Disability Health Insurance in Nevada

To determine a disability insurance policy that’s right for you, we recommend following the 3-Step Approach:


  1. Understand the Two Disability Insurance Plans to Choose From - Noncancelable and Guaranteed Renewable or Guaranteed Renewable disability insurance plans are available. With the Noncancelable plan, the benefits and riders of the policy cannot be changed prior to the policy’s maturity date. Premiums will also not be increased at any time. The Guaranteed Renewable plan does not maintain premium costs meaning they may be increased at any time. 
  2. Define the Disabilities Covered by the Policy - You will also need to understand what instances the policies cover and how they are defined by the policy.
  3. Add Riders to the Policy - Lastly, you’ll add riders to the policy to enhance and customize your coverage. 


With this 3-Step approach and the help of our agency in Reno, you won’t have to worry about your coverage or its benefits!

What’s Stopping You From Getting Disability Insurance? 

Just 14% of Americans claimed to have disability insurance in 2021, yet, 45% of Americans acknowledge that their families would struggle financially if a primary wage earner was unable to earn income due to an illness or disability. So, what are the reasons they have for not having disability coverage? The three most common reasons are that disability insurance is too expensive, families prioritize other financial obligations, and many people just don’t feel like they need it. 


Reno health insurance professionals are able to find disability insurance that is affordable and ensures the most reliable coverage in the event that you become ill or disabled. No one expects a circumstance such as these to cost them their entire income, but disability insurance provides the best backup plan to make certain that your family has consistent funds coming in.  

2022 Changes May Erase Your Medical Debt 

Equifax, Experion, and TransUnion, the 3 major national credit reporting agencies, announced significant changes regarding medical debt reporting. Effective July 1, 2022, nearly 70% of medical collection debt will be erased from consumer credit reports. This means that substantially high medical bills may no longer present themselves on credit reports among the top credit reporting agencies posing a huge benefit to consumers. 


Specifically, the changes include the following conditions:


Meet with a Reno Health Insurance Agent

If you’re interested in learning more about disability insurance or general health insurance in Nevada, you’ve come to the right place. Our health insurance experts will help you find the plan that best fits your needs. Connect with us today!

May is Disability Insurance Awareness Month and we here at Nevada Silver Insurance, along with many other agencies across Nevada, are placing an emphasis on protecting your income.


What is Disability Insurance?

According to the Nevada Department of Insurance, disability insurance is a company's ability to replace a portion of your salary for either a short or long-term period of time.

Most people can confuse disability insurance with workers' compensation. However, they are not the same.

Short-term disability insurance is able to pay the policyholder three to six months of their salary. Most common short-term disabilities include broken bones, minor injures, or various incidents.

As for long-term disability insurance, that depends on the circumstances. Some policies can begin six months after the policyholder's disability and can last for years (or until their retirement). The most common causes of long-term disability can involve heart disease, anxiety, depression, back injuries or cancer.


Hard Facts about Disability Insurance

Studies show a majority of working class Americans are not fully-aware of their company's income protection plans.

In a recent poll taken during the COVID-19 pandemic by LifeHappens, more than 60 percent of Americans say they are not aware of their company's policy when it comes to short-term or long-term injuries.

In another staggering statistic, more than 50% of America's workforce say they would have to 'dip into their savings' to cover disability expenses.


The Importance of Protecting Your Income

The COVID-19 pandemic has changed the United States' working dynamic for the foreseeable future. Life changed pretty quickly in a matter of weeks back in March of 2020. With a great percentage of Americans working from home, it's important now to be prepared if you were to miss work due to an illness, injury or any other kind of disability.

The biggest lesson here is setting your and your family up for stability. Having a stable income and securing your family's financial future should be a top priority during crises like a pandemic.

We at Nevada Silver Insurance want to make sure you're protected. The last thing on your mind should be financial stress during an injury either at work or not.

Interested in learning more about income protection and disability protection or have questions? Our agents at NV Silver Life and Health Insurance are here to help you find the best plan for you. Contact us today!



Sick Pay Plus short and Long term income – Disability Protection...!!!!

What is a person's greatest asset....?????? Would it be the Diamond wedding ring, or the new ford 150 super cab pick-up, or the brand new Home they just qualified to buy or their Harley Davidson Motorcycle...!!!! To most people they think in terms of what they purchase, and not in terms of their ability to earn the money to pay for all these great things...
A person's greatest asset is their ability to earn a living to afford the lifestyle they would like to have and maintain.....

Should an accident or sickness cause them to become "disabled", how long would it take before their ability to earn a living to maintain their lifestyle to stop because they were not able to work and earn an income for their job...

As an employer, can you afford to pay an employee who is "off the job and not being productive for your business", due to a sickness, illness or accident either job related or off the job...????
How long do you carry someone on your payroll before you have to terminate them because they can not be at your work place performing their job functions...?????

Good questions for a small business owner to assist their employees by making available to them the opportunity to a sickness & accident income replacement coverage from Combined Insurance thru tone of Nevada's leading Life & Health Insurance Agencies in Northern Nevada, the Nevada Silver Life & Health insurance Agency located at 4600 Kietzke Ln., Ste. A105, Reno, NV 89502, 775 829-1221, Fax-775 826-2516 or or text 775-250-2326-Cell... Contact today for further information and competitive pricing...

Income Protection in the event I get sick and can’t work for an extended time Or I have a totally unexpected accident and cannot return to work, WHO PAYS MY BILLS, THE RENT AND PUTS FOOD ON THE TABLE

As a professional Insurance agent I come in contact with a lot people as I meet new people and talk with new business owners & individuals everyday…Whenever the subject comes up about disability coverage for them comes up to the level of discussion, everyone always says that is a great coverage, but their budget just will not handle the cost  of this coverage, along with all the other insurance coverage premiums they have to pay so they usually choose not to purchase the coverage when I first present it…

Being the persistent type, and from my experience the last 24 years as a independent Life and health insurance, I have grown to appreciate the value of an individual or small business owner having in place four basic coverages themselves, their families and employees, if they have employees….

The FIRST and most important coverage I believe is vital to have before any other coverage is a great “Disability or Income Protection Plan”….!!!

John collier, LUTCF, FSS, CC
Fax: (775) 826-2516
NV License #2545207
Gina Espinal-aguerre
Fax: (775) 826-2516
NV License #17287151
Mary Lou Urrutia
Fax: (775) 826-2516
NV License #3590623
David Moncuse
Fax: (775) 826-2516
NV License #3589736
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