June Marcia Williams

Your Insurance Agent in Crystal River, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Crystal River, FL...

National Producer No.

17209549

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Hospital Indemnity Insurance in Crystal River, FL

Cover deductibles, copays, and lost wages during hospitalization.

Hospital indemnity insurance for Crystal River, 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 · Crystal River, FL

Crystal River, FL — Your Local Producer

Hello, Crystal River! Living here in the heart of Citrus County, surrounded by the unique beauty of our springs and coastal lifestyle, is something special. As your neighbor, I believe in protecting the life you've built for your family. My name is June Marcia Williams, and I am a licensed insurance producer here in Florida. I help individuals and families navigate their options for personal insurance, from term life and final expense policies to other coverages that provide peace of mind. My goal is to offer clear, straightforward guidance so you can make confident decisions. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Three Sisters Springs
Crystal River Archaeological State Park
Crystal River City Hall

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Crystal River

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

Alysia Stiles

Life Including Variable Annuity & Health

NPN 22138011 Licensed 2026

Amy Marie Barbieri

Life Including Variable Annuity & Health

NPN 11058521 Licensed 2008

Amy Michelle Fuertes

Life Including Variable Annuity & Health

NPN 17568319 Licensed 2015

Andrew Breese

Life Including Variable Annuity & Health

NPN 12849412 Licensed 2009

Arnold Clifford Yale

Life Including Variable Annuity & Health

NPN 20087201 Licensed 2021

Ausra York

Life Including Variable Annuity & Health

NPN 18419776 Licensed 2017

Ayinde Matthews

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

NPN 15659730 Licensed 2013

Barbara Lynn Stetzko

Life Including Variable Annuity & Health

NPN 423135 Licensed 1997

Blake James Chaney

Life Including Variable Annuity & Health

NPN 22254055 Licensed 2026

Bonnie Lynn Wlasiuk

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

NPN 8759044 Licensed 2008

Brady Aaron Berry

Life Including Variable Annuity & Health

NPN 20386761 Licensed 2022

Brenna Ann Edwards

Life Including Variable Annuity & Health

NPN 21056872 Licensed 2024

Candy Y. D. Murphy

Life Including Variable Annuity & Health

NPN 8556202 Licensed 2005

Carl Anthony Lopresto

Life Including Variable Annuity & Health

NPN 18203298 Licensed 2016

Carl D Flanagan

Life Including Variable Annuity & Health

NPN 8077055 Licensed 2021

Carley Rae Hazel

Life Including Variable Annuity & Health

NPN 22191037 Licensed 2026

Carlos Nelson

Life Including Variable Annuity & Health

NPN 20309428 Licensed 2022

Carolyn E Caffee

Life Including Variable Annuity & Health

NPN 473258 Licensed 1994

Carter Bowman

Life Including Variable Annuity & Health

NPN 21347369 Licensed 2024

Charlene P Runnels-Mire

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

NPN 558258 Licensed 1993

Charles R Morgan

Life Including Variable Annuity & Health

NPN 7623170 Licensed 2003

Cierra Kristine Aspenleiter

Life Including Variable Annuity & Health

NPN 22238856 Licensed 2026

Cindy-Lou Pattison

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

NPN 607996 Licensed 1995

Corey W Ebert

Life Including Variable Annuity & Health

NPN 21535052 Licensed 2025

View all 118 licensed hospital indemnity producers in Crystal River →

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 Crystal River regional market. Rates are localized using regional health baselines.

Official Crystal River Resources

County Citrus County

Population ~3,398

Lack of insurance (18–64) 11.8%

FIPS code 1215775

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 Crystal River rates. Start your quote request below.

FL OIR .GOV Citrus County Gov Portal .GOV

4.5 8 reviews

Photos by Range Cow , Matthew Clarkson , Lance Koster , Frank Bainbridge via Google Maps

View on Google Maps

Crystal River City Hall

Open now · Mon 8:30 AM – 4:30 PM

(352) 795-4216

crystalriverfl.org

123 NW US-19, Crystal River, FL 34428, USA

Recent Reviews

Lance Koster ★★★★★

"Small town feel... but gets everything done faster than the other counties. Great experience."

Butch James ★★★★★

"This is where you get tickets to Three Sisters Springs"

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.

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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.

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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.

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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.

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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.

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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.

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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 Crystal River

More Insurance Options in Crystal River, 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.

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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.

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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+.

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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.

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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

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Hospital Indemnity Insurance in Crystal River, FL

Crystal River, FL — Your Local Producer

Licensed Hospital Indemnity Producers in Crystal River

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official Crystal River 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 Crystal River, 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?

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Talk to a real person. Today.

Hospital Indemnity Insurance Underwriting Scope

Official Crystal River Resources