June Marcia Williams

Your Insurance Agent in Lutz, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Lutz, FL...

National Producer No.

17209549

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Hospital Indemnity Insurance in Lutz, FL

Cover deductibles, copays, and lost wages during hospitalization.

Hospital indemnity insurance for Lutz, 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 · Lutz, FL

Lutz, FL — Your Local Producer

For my neighbors in Lutz, I know that life here in Hillsborough County offers a unique blend of peaceful, natural surroundings and vibrant community spirit. My name is June Marcia Williams, and as a licensed insurance producer, I'm dedicated to helping local families protect their financial futures. I provide guidance on a range of personal insurance options, including Term Life, Whole Life, Final Expense, and Critical Illness plans. My goal is to help you understand your choices and find a policy that brings you peace of mind, right here in the community we both call home. (NPN: 17209549, Florida License No: W840529)

Lutz Branch Library
Lake Park
Intersection of US Highway 41 and Lutz Lake Fern Road

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Lutz

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

Aaron Kenney

Life Including Variable Annuity & Health

NPN 19032033 Licensed 2020

Aaron Myers Lyon

Life Including Variable Annuity & Health

NPN 12074903 Licensed 2016

Aaron Wilson

Life Including Variable Annuity & Health

NPN 21747275 Licensed 2025

Abagail Ryan

Life Including Variable Annuity & Health

NPN 19641819 Licensed 2020

Abraham Garcia

Life Including Variable Annuity & Health

NPN 19236681 Licensed 2019

Abraham Tozier

Life Including Variable Annuity & Health

NPN 21263282 Licensed 2024

Adriana Guimaraes Pereira

Life Including Variable Annuity & Health

NPN 20231124 Licensed 2022

Alan Jay Benson

Life Including Variable Annuity & Health

NPN 487388 Licensed 1985

Albert Christian Alfonso

Life Including Variable Annuity & Health

NPN 20365098 Licensed 2022

Alec Ghodsi

Life Including Variable Annuity & Health

NPN 20284011 Licensed 2022

Aleiya Jewelisa Robles

Life Including Variable Annuity & Health

NPN 20195438 Licensed 2022

Alek Serrano

Life Including Variable Annuity & Health

NPN 19770630 Licensed 2021

Alex Buzanover

Life Including Variable Annuity & Health

NPN 20553566 Licensed 2022

Alexander Beckner

Life Including Variable Annuity & Health

NPN 21699353 Licensed 2025

Alexander Keith Arfaras

Life Including Variable Annuity & Health

NPN 10655005 Licensed 2008

Alexis Marie Stabins

Life Including Variable Annuity & Health

NPN 21419807 Licensed 2024

Ali Alyounes

Life Including Variable Annuity & Health

NPN 20605264 Licensed 2023

Alison P Leon

Life Including Variable Annuity & Health

NPN 589031 Licensed 1996

Allan Francis Dickson

Life Including Variable Annuity & Health

NPN 2878177 Licensed 1999

Alvin Sylvester Washington

Life Including Variable Annuity & Health

NPN 3217901 Licensed 2003

Alyssia Clark

Life Including Variable Annuity & Health

NPN 18259476 Licensed 2017

Amalia De Palacios

Life Including Variable Annuity & Health

NPN 17551934 Licensed 2019

Amber Cortazzo

Life Including Variable Annuity & Health

NPN 20401308 Licensed 2022

Amber M Martin

Life Including Variable Annuity & Health

NPN 17568326 Licensed 2015

View all 635 licensed hospital indemnity producers in Lutz →

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

Official Lutz Resources

County Hillsborough County

Population ~24,721

Lack of insurance (18–64) 12.2%

FIPS code 1241775

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 Lutz rates. Start your quote request below.

FL OIR .GOV Hillsborough County Gov Portal .GOV

Photos by Spencer Raymond PA , Dwayne Wilson , Marcella Wood , Odell Mullis via Google Maps

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Lutz

Lutz, FL, USA

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

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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

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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 Lutz

More Insurance Options in Lutz, 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 Lutz, FL

Lutz, FL — Your Local Producer

Licensed Hospital Indemnity Producers in Lutz

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official Lutz 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 Lutz, 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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Hospital Indemnity Insurance Underwriting Scope

Official Lutz Resources