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June Marcia Williams — Licensed Hospital Indemnity Insurance Agent in Lauderdale-by-the-Sea, FL
June Marcia Williams
Your Insurance Agent in Lauderdale-by-the-Sea, FL
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Lauderdale-by-the-Sea, FL...
National Producer No.
17209549
Verify ↗

Hospital Indemnity Insurance in Lauderdale-by-the-Sea, FL

Cover deductibles, copays, and lost wages during hospitalization.

Hospital indemnity insurance for Lauderdale-by-the-Sea, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — fixed daily cash benefit for each day admitted to a hospital, no pressure, same-day quotes.

✅ Verified NJ · PA · FL · MD · VA Licensed Agent
❤️
3K+ Satisfied Clients
5-Star Service Rating
🛡️ NPN Verified
🏛️ 5-State Licensed
🏆 10+ Yrs Exp.
Right here · Lauderdale-by-the-Sea, FL

Lauderdale-by-the-Sea, FL — Your Local Producer

As a fellow South Floridian, I deeply appreciate the unique coastal charm and small-town feel of Lauderdale-by-the-Sea. It’s a special corner of Broward County, and helping my neighbors here protect what matters most is my priority. I’m June Marcia Williams, a licensed insurance producer, and I offer personalized guidance on a range of options, from Term and Whole Life to Final Expense and Critical Illness plans. My focus is on helping you understand your choices so you can secure your family’s financial future with confidence. (NPN: 17209549, Florida License No: W840529)

  • Anglin's Fishing Pier
  • Lauderdale-By-The-Sea Town Hall
  • El Prado Park
NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Lauderdale-by-the-Sea

47 on public record · Florida DFS · Fla. Stat. §119.01

AM
Alfred F Marsicano
Life Including Variable Annuity & Health
NPN 379371 Licensed 2018
AC
Alyssa Coleman
Life Including Variable Annuity & Health
NPN 22128768 Licensed 2026
AA
Anabella Carolina Aguilar
Life Including Variable Annuity & Health
NPN 11405761 Licensed 2008
AR
Andrew Ripley
Life Including Variable Annuity & Health
NPN 17492208 Licensed 2015
AL
Ariana Lemos
Life Including Variable Annuity & Health
NPN 22109258 Licensed 2026
BI
Brad M Iroff
Life Including Variable Annuity & Health
NPN 3387959 Licensed 2018
BR
Brooke Nicole Remy
Life Including Variable Annuity & Health
NPN 20717445 Licensed 2023
CY
Caitlin Shay Young
Life Including Variable Annuity & Health
NPN 21172766 Licensed 2024
CG
Carl Giarraffa
Life Including Variable Annuity & Health
NPN 22270245 Licensed 2026
CG
Chadia Nemr Ghanem
Life Including Variable Annuity & Health
NPN 19367696 Licensed 2019
CS
Chase Alexander Schottke
Life Including Variable Annuity & Health
NPN 20761479 Licensed 2023
CC
Cheryl Y Comer
Life Including Variable Annuity & Health
NPN 3693341 Licensed 2000
CW
Courtney Wittenberns
Life Including Variable Annuity & Health
NPN 18682573 Licensed 2018
CF
Crystal Fernandes
Life Including Variable Annuity & Health
NPN 22106879 Licensed 2026
CF
Cynthia Faublas
Life Including Variable Annuity & Health
NPN 20467550 Licensed 2022
DT
Deborah Lynn Taylor
Life Including Variable Annuity & Health
NPN 20567797 Licensed 2022
DH
Douglas Dale Hopper
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 16800013 Licensed 2012
EM
Emily Moran
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 18472021 Licensed 2020
ED
Erla Dema
Life Including Variable Annuity & Health
NPN 21709938 Licensed 2025
FG
Fredrick Warren Grubb
Life Including Variable Annuity & Health
NPN 8805974 Licensed 2017
GS
Genevieve Bonnie Smart
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 4779051 Licensed 2009
JS
Jamie Ann Stroud
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 18345186 Licensed 2017
JW
Jason Womack
Life Including Variable Annuity & Health
NPN 21090858 Licensed 2024
JS
Jeffrey Steven Seltzer
Life Including Variable Annuity & Health
NPN 502319 Licensed 1994
View all 47 licensed hospital indemnity producers in Lauderdale-by-the-Sea →

Verify any producer at FL DFS Licensee Search ↗. This directory lists licensed producers on public record — it does not rank, rate, or endorse.

Hospital Indemnity Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Hospital Indemnity Insurance across the Lauderdale-by-the-Sea regional market. Rates are localized using regional health baselines.

Official Lauderdale-by-the-Sea Resources

County Broward County
Population ~6,202
Lack of insurance (18–64) 9.6%
FIPS code 1239475

Healthcare-access indicator. Localized rates correlate with simplified-issue and final-expense product fit. Source: CDC PLACES (BRFSS).

Let June shop the market for your localized Lauderdale-by-the-Sea rates. Start your quote request below.

Google Maps
4.4 40 reviews
Lauderdale-By-The-Sea Town Hall photo 1Lauderdale-By-The-Sea Town Hall photo 2Lauderdale-By-The-Sea Town Hall photo 3Lauderdale-By-The-Sea Town Hall photo 4
Lauderdale-By-The-Sea Town Hall
Open now · Mon 8:30 AM – 4:30 PM
4501 N Ocean Dr, Lauderdale-By-The-Sea, FL 33308, USA
Recent Reviews
RJ and Family ★★★★★
"Cute little City Hall filled with competent people. One of my favorite cities to visit as I live close and it is beautiful here. Definitely needs an exterior cleaning. I’m sure that’s a seasonal need."
karli Simone ★☆☆☆☆
"This review is 2 MONTHS-overdue and I told myself if it still irked me this much to just leave my review so I will do just that. I parked on the beach, paid, and was behind another car and got a tic…"
About Your Agent

Why Choose June?

A-Rated Security

Backed exclusively by top-tier, vertically integrated carrier capacity.

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Algorithmic rate classifications drop processing times down to seconds.

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Zero intermediary markup structures ensuring wholesale underwriting parity.

Digital Portals

Instant localized digital enrollment without offline processing roadblocks.

Select your coverage below to see your price in seconds.

Check Your Coverage Options

Cash benefits for unexpected hospital stays — no obligation — quick & easy pre-qualification

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June will review your hospital & ICU benefit levels and match you with the best carrier for your coverage needs. Enter your contact info to get started.

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Or call now: (908) 339-7723

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Hospital Indemnity Options

ICU Confinement

Enhanced daily rate for intensive care
  • $200-$1,500 per day
  • Paid in lieu of hospital rate
  • Critical care situations
  • No lifetime maximum
  • Guaranteed renewable
Get Quote

Optional Benefits

Skilled nursing + outpatient
  • Skilled nursing: $50-$550/day
  • Up to 14 days after 7-day elimination
  • Outpatient surgery: $50-$550
  • One surgery per year
  • Wellness visit: $75/year
Get Quote

Everything You Need to Know About Hospital Indemnity Insurance

🏨

What Is Hospital Indemnity Insurance?

Hospital indemnity pays a fixed daily cash benefit for every day you're confined to a hospital — regardless of the reason. Accident, illness, planned surgery — it doesn't matter. The cash is paid directly to you, not the hospital. Use it for copays, deductibles, lost income, childcare, mortgage, or anything else while you recover.

💲

How Daily Benefits Work

You choose your daily benefit at enrollment: $100 to $1,100/day for hospital, $200 to $1,500/day for ICU. A 5-day hospital stay at $500/day = $2,500 cash. A 3-day ICU stay at $1,000/day = $3,000 cash. Benefits are paid per confinement with no annual or lifetime maximum on the number of stays.

📊

Hospital Indemnity vs. Health Insurance

Health insurance covers hospital bills. Hospital indemnity covers everything health insurance doesn't — your deductible (national average $1,787 for single coverage, KFF 2024), copays, out-of-network charges, transportation, childcare, and lost wages. Even with health insurance, out-of-pocket costs for a hospital stay in Florida can run $1,200–$3,500. Hospital indemnity fills the gap from day one.

💊

Skilled Nursing & Outpatient

Optional riders add skilled nursing facility benefits ($50-$550/day for up to 14 days after a 7-day elimination period) and outpatient surgery benefits ($50-$550 per procedure, one per year). The wellness visit rider pays $75/year for preventative care — a benefit that pays even if you're never hospitalized.

👨‍👩‍👧

Who Needs Hospital Indemnity?

Anyone with a high-deductible health plan (HDHP), an HSA, or Medicare. If your health insurance deductible is $1,000+, hospital indemnity fills the gap from day one. It's also ideal for self-employed workers who lose income during hospital stays, and families where one hospitalization could create a financial emergency.

⚖️

Florida Consumer Protections

Hospital indemnity policies through our carriers are guaranteed renewable with level premiums. Florida requires a 14-day free-look period (Fla. Stat. § 627.4554). Issue ages 18–85. Guaranteed issue available for qualified worksites. Simplified issue for individuals requires health questions. Medicaid may reduce benefits. Federal law (Social Security Act § 1882) requires uniform Medigap disclosure for applicants 65+.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA. Appointed with A-rated supplemental health carriers.

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Hospital Indemnity Insurance FAQ

💰

How much does hospital indemnity pay per day?

Hospital confinement benefits range from $100 to $1,100 per day. ICU benefits range from $200 to $1,500 per day. You choose your daily benefit amount at enrollment.

🏥

Does it cover any reason for hospitalization?

Yes. Hospital indemnity pays for any covered hospitalization — accident, illness, or planned surgery. Pre-existing conditions have a 12-month lookback period.

📋

Can I use it with Medicare?

Yes. Hospital indemnity is a popular Medicare supplement. It helps cover Medicare Part A deductibles and copays. Issue ages up to 85. Federal law (Social Security Act § 1882) requires a uniform Medigap Outline of Coverage disclosure for all applicants age 65+.

🏥

Is there a limit on how many times I can use it?

No annual or lifetime maximum on the number of hospital stays. Benefits are paid per confinement. The policy is guaranteed renewable for life with level premiums.

🩺

Is a medical exam required?

No medical exam. Simplified issue requires health questions. Guaranteed issue available through qualified employer groups. Issue ages 18-85.

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