June Marcia Williams

Your Insurance Agent in Howey-in-the-Hills, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Howey-in-the-Hills, FL...

National Producer No.

17209549

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Hospital Indemnity Insurance in Howey-in-the-Hills, FL

Cover deductibles, copays, and lost wages during hospitalization.

Hospital indemnity insurance for Howey-in-the-Hills, 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 · Howey-in-the-Hills, FL

Howey-in-the-Hills, FL — Your Local Producer

Hello to my neighbors in Howey-in-the-Hills! In a town known for its unique charm and scenic hills, it's important to have a financial safety net that fits our distinctive Lake County lifestyle. I'm June Marcia Williams, a licensed insurance producer right here in Florida, and I'm dedicated to helping local families navigate their options. Whether you're considering Term Life, Whole Life, Final Expense, or other personal coverage, my goal is to provide clear, straightforward guidance. Let's work together to find a plan that helps protect your family's future. (NPN: 17209549, Florida License No: W840529)

The Howey Mansion
Marianne Beck Memorial Library
Howey-in-the-Hills Town Hall

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Howey-in-the-Hills

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

Alizabeth Bukunus

Life Including Variable Annuity & Health

NPN 19770628 Licensed 2021

Angel Velez Sanchez

Life Including Variable Annuity & Health

NPN 11530792 Licensed 2019

Annette Keys

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

NPN 2165294 Licensed 2021

Bruce I Formhals

Life Including Variable Annuity & Health

NPN 1704673 Licensed 2017

Chanele Barbara Rivera

Life Including Variable Annuity & Health

NPN 20709685 Licensed 2023

Cynthia Ann Smith

Life Including Variable Annuity & Health

NPN 1023538 Licensed 2012

David Michael Jiles

Life Including Variable Annuity & Health

NPN 21778183 Licensed 2025

Deisi Hernandez

Life Including Variable Annuity & Health

NPN 585217 Licensed 1994

Dennis Michael Lyons

Life Including Variable Annuity & Health

NPN 18604611 Licensed 2018

Estela Alejandra Ramirez Duenas

Life Including Variable Annuity & Health

NPN 22092443 Licensed 2026

Eugene Franklin Harper

Life Including Variable Annuity & Health

NPN 21080044 Licensed 2024

Hernan Jose Zabala

Life Including Variable Annuity & Health

NPN 10678618 Licensed 2010

Icyline Smith Kerr

Life Including Variable Annuity & Health

NPN 2901268 Licensed 2021

James Houston Hill

Life Including Variable Annuity & Health

NPN 6908570 Licensed 2008

James Howard Peterson

Life Including Variable Annuity & Health

NPN 20152997 Licensed 2021

Jatavia Nakiah Smith

Life Including Variable Annuity & Health

NPN 21106055 Licensed 2024

Jayce Thompson

Life Including Variable Annuity & Health

NPN 21178968 Licensed 2024

Jose Manuel Tineo

Life Including Variable Annuity & Health

NPN 22113311 Licensed 2026

Joseph Raymond Pereira

Life Including Variable Annuity & Health

NPN 21303520 Licensed 2024

Katan E Laya Iglesias

Life Including Variable Annuity & Health

NPN 20489948 Licensed 2022

Katerine Aguilar Gomez

Life Including Variable Annuity & Health

NPN 21625195 Licensed 2025

Kyle Van Arsdale

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

NPN 19822874 Licensed 2021

Limor R Moake

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

NPN 17394184 Licensed 2023

Precious M Rodriguez

Life Including Variable Annuity & Health

NPN 19948077 Licensed 2021

View all 30 licensed hospital indemnity producers in Howey-in-the-Hills →

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 Howey-in-the-Hills regional market. Rates are localized using regional health baselines.

Official Howey-in-the-Hills Resources

County Lake County

Population ~2,038

Lack of insurance (18–64) 11.4%

FIPS code 1232775

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 Howey-in-the-Hills rates. Start your quote request below.

FL OIR .GOV Lake County Gov Portal .GOV

4.8 5 reviews

Photos by ᎶⲅⲉᏭ , Rnull 22 via Google Maps

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Howey In the Hills Town Hall

Open now · Mon 7:00 AM – 5:30 PM

(352) 324-2290

howey.org

101 N Palm Ave, Howey-In-The-Hills, FL 34737, USA

Recent Reviews

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Ivelisse Arce Miranda ★★★★★

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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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

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 Howey-in-the-Hills

More Insurance Options in Howey-in-the-Hills, 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 Howey-in-the-Hills, FL

Howey-in-the-Hills, FL — Your Local Producer

Licensed Hospital Indemnity Producers in Howey-in-the-Hills

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official Howey-in-the-Hills 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 Howey-in-the-Hills, 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 Howey-in-the-Hills Resources