June Marcia Williams

Your Insurance Agent in Margate, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Margate, FL...

National Producer No.

17209549

Verify ↗

Hospital Indemnity Insurance in Margate, FL

Affordable daily benefit plans. Guaranteed renewable.

Hospital indemnity insurance for Margate, 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 · Margate, FL

Margate, FL — Your Local Producer

Hello, Margate! As a fellow Floridian, I appreciate the unique community spirit we have here in Broward County. Whether you're enjoying a day at Calypso Cove or just appreciating our city's beautiful canals, it's a wonderful place to call home. As a licensed insurance producer, my goal is to help my Margate neighbors find peace of mind. I offer a range of personal insurance options, including Term Life, Whole Life, Final Expense, and more, to help you protect what matters most. I'm here to help you navigate your choices and find a plan that fits your life. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Calypso Cove Aquatic Facility
Margate City Hall
Oriole Golf Club

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Margate

1028 on public record · Florida DFS · Fla. Stat. §119.01

Aaron Colon

Life Including Variable Annuity & Health

NPN 20854582 Licensed 2023

Abraham E Suarez

Life Including Variable Annuity & Health

NPN 17354353 Licensed 2014

Abrahan Gabriel De La Rosa

Life Including Variable Annuity & Health

NPN 17321315 Licensed 2014

Adam Desimone

Life Including Variable Annuity & Health

NPN 19208311 Licensed 2019

Adam Ethridge

Life Including Variable Annuity & Health

NPN 17710444 Licensed 2023

Adam Fisch

Life Including Variable Annuity & Health

NPN 22207621 Licensed 2026

Adelson Dejour

Life Including Variable Annuity & Health

NPN 21637163 Licensed 2025

Adia Karlicia Victoria Philip

Life Including Variable Annuity & Health

NPN 22186483 Licensed 2026

Adrian Permaul

Life Including Variable Annuity & Health

NPN 18803287 Licensed 2018

Adrianne Dickinson Wright

Life Including Variable Annuity & Health

NPN 16708839 Licensed 2012

Agatha Kelly Ferreira Lourenco

Life Including Variable Annuity & Health

NPN 20819586 Licensed 2023

Agustin Lita Lolita Bowdry

Life Including Variable Annuity & Health

NPN 16638647 Licensed 2024

Aisha Michelle Arizmendi

Life Including Variable Annuity & Health

NPN 20838298 Licensed 2023

Akilah Cabey

Life Including Variable Annuity & Health

NPN 20979622 Licensed 2023

Albert Jeantinor

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 8575080 Licensed 2017

Alden Prince

Life Including Variable Annuity & Health

NPN 4191443 Licensed 2001

Aldith R Farquharson

Life Including Variable Annuity & Health

NPN 1681650 Licensed 2001

Aldouphus Germone Williams

Life Including Variable Annuity & Health

NPN 20506903 Licensed 2022

Aleexus Crowder

Life Including Variable Annuity & Health

NPN 20130426 Licensed 2021

Alejandra Damiani

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 16742929 Licensed 2012

Alex Adan Torres Morales

Life Including Variable Annuity & Health

NPN 21618984 Licensed 2025

Alexander Cook

Life Including Variable Annuity & Health

NPN 18414851 Licensed 2017

Alexander Jacob Masarek

Life Including Variable Annuity & Health

NPN 18331655 Licensed 2017

Alexander Leopaul Bailey

Life Including Variable Annuity & Health

NPN 19284286 Licensed 2019

View all 1028 licensed hospital indemnity producers in Margate →

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 Margate regional market. Rates are localized using regional health baselines.

Official Margate Resources

County Broward County

Population ~58,396

Lack of insurance (18–64) 16.0%

FIPS code 1243125

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 Margate rates. Start your quote request below.

FL OIR .GOV Broward County Gov Portal .GOV

3.8 26 reviews

Photos by Stephanie , Dave Salmon , City of Margate via Google Maps

View on Google Maps

City of Margate

Open now · Mon 8:00 AM – 6:00 PM

(954) 972-6454

margatefl.com

5790 Margate Blvd, Margate, FL 33063, USA

Recent Reviews

Fwayjoe ★★★★★

"Amazing city, clean parks, nice people, and low crime rates. Been living here for 11 years, only problem could be how busy it could get in traffic around state road 7 and Atlantic. Can’t wait for the …"

Stephanie ★★★★★

"Beautiful city. The city employees take good care of the park’s and roads. It’s a family and pet friendly atmosphere. Margate Police is in the neighborhood, no violence. Nice neighbors and they mind t…"

About Your Agent

Why Choose June?

A-Rated Security

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

Rapid Underwriting

Algorithmic rate classifications drop processing times down to seconds.

Direct Pricing

Zero intermediary markup structures ensuring wholesale underwriting parity.

Digital Portals

Instant localized digital enrollment without offline processing roadblocks.

Read the full Hospital Indemnity Guide →

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

Hospital confinement — daily benefit

$100

$200

$500

$1,100

ICU confinement — daily benefit

$200

$400

$750

$1,500

Who needs coverage?

Just Me

Me + Spouse

Family

✅

Your benefit selections are ready!

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.

Your Name

Phone Number

Email Address

⚡ Call me ASAP — I want to speak with an agent as soon as possible

Your info is secure · Never shared · June responds within 30 min

✅

Consultation Request Sent!

June will call you within 30 minutes during business hours.

Or call now: (908) 339-7723

Want live updates on your quote? Tap to let June text your phone directly — rates, approvals, appointments.

Prefer to talk? Ask Lia — June's AI assistant: (908) 648-8689

Compare Plans

Hospital Indemnity Options

Core Benefit

Hospital Confinement

Daily cash for inpatient stays

$100-$1,100 per day
Paid from day 1 of admission
Any covered reason
No network restrictions
Paid directly to you

Get Quote

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

Important — what this coverage does not pay

This is limited benefit supplemental coverage. It is not major medical insurance, not comprehensive health coverage, and not a substitute for either. It does not meet minimum essential coverage requirements.

Benefits are paid only when the policy’s specific conditions are met. This policy contains exclusions, limitations, and reductions of benefits, and terms under which the policy may be continued in force or discontinued. Some benefits do not begin until a waiting period has passed. Losses caused by a health condition you had before your coverage start date may not be covered. Coverage of this type is guaranteed renewable; premium rates may change, but only for an entire class of policies, never for you individually.

For costs and complete details of the coverage, including the full list of exclusions and limitations, review the policy documents or contact us before applying.

📖 Hospital Indemnity Knowledge

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.

Life Insurance in Margate

More Insurance Options in Margate, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏥 Critical Illness ⚡ Accident & Injury 🏢 Business Life 🔑 Special Situations 🕊️ Final Expense

Insurance Resources

Know Your Rights in Florida

Florida Office of Insurance Regulation

File complaints, verify agent licenses, and understand your rights under Florida insurance law.

Visit floir.gov →.GOV

FL Life Insurance Buyer's Guide

Free consumer guide from FL OIR explaining policy types, replacement rules, and your free-look period.

Visit floir.gov →.GOV

Verify an Agent's NPN License

Use NIPR's lookup tool to verify any agent's National Producer Number and active state licenses.

Visit nipr.com →.COM

Frequently Asked Questions

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.

Nearby Hospital Indemnity Coverage

Read the Full Hospital Indemnity Consumer Guide →

Written by June Marcia Williams · NPN 17209549 · Independent guide for Florida consumers

Talk to a real person. Today.

No automated phone trees. No chatbots. Schedule a time that works for you and a licensed agent with 12 years of experience calls you directly.

Licensed in 5 states NPN verified No obligation

📅 Schedule a Call 💬 Get Your Quote

Hospital Indemnity Insurance in Margate, FL

Margate, FL — Your Local Producer

Licensed Hospital Indemnity Producers in Margate

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official Margate Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

Check Your Coverage Options

Consultation Request Sent!

Hospital Indemnity Options

Hospital Confinement

ICU Confinement

Optional Benefits

Everything You Need to Know About Hospital Indemnity Insurance

What Is Hospital Indemnity Insurance?

How Daily Benefits Work

Hospital Indemnity vs. Health Insurance

Skilled Nursing & Outpatient

Who Needs Hospital Indemnity?

Florida Consumer Protections

More Insurance Options in Margate, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Hospital Indemnity Insurance FAQ

How much does hospital indemnity pay per day?

Does it cover any reason for hospitalization?

Can I use it with Medicare?

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

Is a medical exam required?

Also Serving Broward County

Boulevard Gardens Coverage Guide

The Cooper City Legacy Plan

Fort Lauderdale Coverage Guide

Hallandale Coverage Guide

Hallandale Beach Financial Security

The Hollywood Legacy Plan

Lauderdale-by-the-Sea Coverage Guide

The Miramar Legacy Plan

Pompano Beach Wealth Strategy

Tamarac Wealth Strategy

Clewiston Coverage Guide

Felda Financial Security

Fort Denaud Coverage Guide

Harlem Financial Security

The Labelle Legacy Plan

Montura Wealth Strategy

Pioneer Life Protection

Port LaBelle Financial Security

Big Pine Key Coverage Guide

The Duck Key Legacy Plan

Islamorada, Village of Islands Coverage Guide

Key Colony Beach Coverage Guide

Key West Financial Security

Layton Financial Security

Marathon Coverage Guide

Stock Island Financial Security

The Summerland Key Legacy Plan

Tavernier Wealth Strategy

Talk to a real person. Today.

Hospital Indemnity Insurance Underwriting Scope

Official Margate Resources