ProtectHealth · Las Vegas, Nevada
Coverage built around your life.
Not the other way around.
Work with Ramon, a licensed ProtectHealth broker. One straightforward conversation, genuine options across Health, Medicare, Dental and more, and zero pressure. The product should serve the strategy — never become it.
What Ramon helps with
Real coverage for real situations
Health
Health coverage built around your life
Self-employed, 1099, a Realtor, or between group plans? The right individual coverage starts with your situation, not a product pitch. We map genuine PPO access and tax-advantaged options to how you actually work and who you need covered.
- Genuine PPO networks, not bait-and-switch plans
- Options for the self-employed, contractors, and Realtors
- Tax-advantaged strategies where you qualify — we're insurance nerds, not tax pros, so we'll bring one in
Medicare
Medicare without the mailbox avalanche
Turning 65 or already on Medicare? One clear conversation to compare what actually fits your doctors, your prescriptions, and your budget — no pressure, no jargon, and a licensed local broker instead of a call center.
- Compare plans against your own doctors and medications
- Understand your enrollment windows before they close
- A licensed Nevada broker who picks up the phone
Dental
Dental coverage that's worth using
Standalone dental that covers cleanings, major work, and the things that sneak up on you — sized to what you'll actually use and easy to pair with your health plan.
- Individual and family options
- Preventive and major care covered
- Pairs cleanly with your health plan
Vision
Vision coverage for exams, frames, and lenses
Simple vision plans that make annual exams and new glasses or contacts affordable for you and your family, and easy to add alongside health or dental.
- Annual eye exams covered
- Allowances for frames, lenses, and contacts
- Easy to add to your other coverage
Life
Life insurance that protects the plan
Term or permanent, the goal is the same: your family keeps its footing if something happens to you. We start with what you're protecting and how long you need to protect it, then match the coverage to that — never to a quota.
- Term and permanent options explained plainly
- Coverage sized to your real obligations
- Straight answers on what you actually need
Annuities
Annuities for income you won't outlive
If guaranteed retirement income is on your mind, we'll walk through whether an annuity actually fits your bigger picture before anything else. It has to serve the plan, not become the plan.
- Guaranteed-income strategies in plain language
- Fit-checked against the rest of your retirement plan
- We're insurance nerds, not tax professionals — we'll loop one in
Group Benefits
Group benefits your team will actually value
For business owners weighing employee coverage, we help you compare traditional group options and modern alternatives so the benefit fits your payroll and your people — not a one-size template.
- Group medical, dental, and vision
- Modern alternatives to a traditional group plan
- Built around your headcount and budget
Supplemental
Supplemental coverage for the gaps
The coverage that fills in around your main plan, so a hospital stay or an unexpected diagnosis does not turn into a financial hit. It layers on top of what you already have.
- Hospital, critical illness, and more
- Sits on top of your primary coverage
- Affordable peace of mind
Why a ProtectHealth broker
Local, licensed, and Nevada-specific
Ramon is a licensed broker who works Nevada plans every day — from Nevada Health Link marketplace coverage to Medicare and everything around it. Not sure where to start? See who we are on our team page, or read how we help the self-employed and business owners.
Every plan is regulated by the Nevada Division of Insurance, and we'll always tell you where the lines are. We're insurance nerds, not tax professionals — where taxes or business structure come up, we bring one in.
“The product should serve the strategy — not become the strategy.”
The ProtectHealth approachBook time with Ramon
Grab a time that works for you
Pick a slot below and you're set — Ramon will meet you then. Prefer to talk now? Call (702) 339-8314 or email ramonurb@hotmail.com.
A dedicated calendar page lives at protecthealth.com/book/ramon-urbaez — share it anywhere.
Your broker
Ramon Urbaez
Licensed Insurance Broker · ProtectHealth · Las Vegas, Nevada
I’m Ramón Urbáez, a licensed Life and Health Insurance Agent dedicated to helping individuals and families protect what matters most. I provide personalized guidance to help you find coverage options that fit your needs, priorities, and budget. My goal is to make insurance simple, clear, and stress-free, with personalized service in both English and Spanish every step of the way.