June Marcia Williams

Your Insurance Agent in Fleming Island, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Fleming Island, FL...

National Producer No.

17209549

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Hospital Indemnity Insurance in Fleming Island, FL

June Williams — supplemental health specialist. HDHP gap coverage.

Hospital indemnity insurance for Fleming Island, 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 · Fleming Island, FL

Fleming Island, FL — Your Local Producer

For my neighbors in Fleming Island, enjoying life in our corner of Clay County means appreciating our strong community bonds. Part of that is planning for the future to protect the ones we love. My name is June Marcia Williams, and as a licensed Florida insurance producer (NPN: 17209549, FL License No: W840529), I'm dedicated to helping local families understand their options. I can provide clear, straightforward guidance on personal policies like Term Life, Whole Life, Final Expense, and Critical Illness, helping you find a path to greater peace of mind.

Fleming Island High School
Moccasin Slough Park
Intersection of US-17 and County Road 220

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Fleming Island

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

Abbi Christine Denton

Life Including Variable Annuity & Health

NPN 22208089 Licensed 2026

Alexander David Carver

Life Including Variable Annuity & Health

NPN 21254272 Licensed 2024

Alexander Luther Nayfack

Life Including Variable Annuity & Health

NPN 21645023 Licensed 2025

Alice Less

Life Including Variable Annuity & Health

NPN 18759376 Licensed 2018

Allison Paige Crainick

Life Including Variable Annuity & Health

NPN 21129380 Licensed 2024

Almeta Lavonne Monroe-Turner

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

NPN 466897 Licensed 1995

Amanda Hall Hidalgo

Life Including Variable Annuity & Health

NPN 20226510 Licensed 2022

Amanda Rae Champion

Life Including Variable Annuity & Health

NPN 21327094 Licensed 2024

Andres Felipe Barbosa Gomez

Life Including Variable Annuity & Health

NPN 21216395 Licensed 2024

Andrew Clinton Kersey

Life Including Variable Annuity & Health

NPN 20761041 Licensed 2023

Anna Kay Harward

Life Including Variable Annuity & Health

NPN 21670103 Licensed 2025

Anna Marie Balmeo Varsobia

Life Including Variable Annuity & Health

NPN 19011309 Licensed 2019

Annabelle Ramirez

Life Including Variable Annuity & Health

NPN 2680532 Licensed 2022

Anthony Ernest Deluca

Life Including Variable Annuity & Health

NPN 619440 Licensed 2005

Avery Guidi

Life Including Variable Annuity & Health

NPN 21306489 Licensed 2024

Bailey Christian Hall

Life Including Variable Annuity & Health

NPN 20093755 Licensed 2021

Barry Evans Miles

Life Including Variable Annuity & Health

NPN 510634 Licensed 2017

Bret Marshall Hagwood

Life Including Variable Annuity & Health

NPN 19960823 Licensed 2021

Brian Souchet

Life Including Variable Annuity & Health

NPN 21567249 Licensed 2025

Brigida Leonor Lenderborg

Life Including Variable Annuity & Health

NPN 7487222 Licensed 2007

Brittanie Rene Stone

Life Including Variable Annuity & Health

NPN 19857700 Licensed 2021

Brittney Nicole Booker

Life Including Variable Annuity & Health

NPN 21062699 Licensed 2024

Brock John Miranda

Life Including Variable Annuity & Health

NPN 20691205 Licensed 2023

Bruce Stephen Jenrette-Lawrence

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

NPN 20388385 Licensed 2022

View all 190 licensed hospital indemnity producers in Fleming Island →

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 Fleming Island regional market. Rates are localized using regional health baselines.

Official Fleming Island Resources

County Clay County

Population ~29,810

Lack of insurance (18–64) 7.9%

FIPS code 1222660

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 Fleming Island rates. Start your quote request below.

FL OIR .GOV Clay County Gov Portal .GOV

4.7 89 reviews

Photos by Kisha J , Kathy Sapp , Everything I Am , Town Hall Event Center via Google Maps

View on Google Maps

Town Hall Event Center

(904) 335-1519

flemingislandvenue.com

2300 Market Dr, Fleming Island, FL 32003, USA

Recent Reviews

Stephen O'Toole ★★★☆☆

"So I recently attended an event there, actually a wedding. The room was clean. Low cost option for a couple that didn’t want to spend money on a ceremony. Makes sense to me. But if you are looking…"

Mrs Glam ★★★★★

"Absolutely stunning venue!! With the option to rent the Gazebo outside, it really makes for the prefect wedding venue. There is a game room and a photo booth room with black currents and staging. I e…"

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

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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

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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 Fleming Island

More Insurance Options in Fleming Island, 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 Fleming Island, FL

Fleming Island, FL — Your Local Producer

Licensed Hospital Indemnity Producers in Fleming Island

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official Fleming Island 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 Fleming Island, 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 Fleming Island Resources