June Marcia Williams

Your Insurance Agent in Cape Coral, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Cape Coral, FL...

National Producer No.

17209549

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Hospital Indemnity Insurance in Cape Coral, FL

Cover deductibles, copays, and lost wages during hospitalization.

Hospital indemnity insurance for Cape Coral, 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 · Cape Coral, FL

Cape Coral, FL — Your Local Producer

Hello, Cape Coral! As a fellow Floridian, I understand the unique lifestyle we cherish here in Lee County, from enjoying our beautiful waterways to building a secure future for our families. My name is June Marcia Williams, and I'm a licensed insurance producer (NPN: 17209549) right here in Florida. I specialize in helping individuals and families navigate their personal insurance options, whether you're considering Term Life, Final Expense, or other supplemental plans. My goal is to provide clear, straightforward guidance so you can make informed decisions for your specific needs. I'm here to help you protect what matters most. (Florida License No: W840529)

Cape Coral City Hall
Sun Splash Family Waterpark
Four Mile Cove Ecological Preserve

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Cape Coral

1700 on public record · Florida DFS · Fla. Stat. §119.01

Aaliyah Jade Bui

Life Including Variable Annuity & Health

NPN 21077736 Licensed 2024

Aaron Telayut Pok

Life Including Variable Annuity & Health

NPN 21623152 Licensed 2025

Abdel Direny

Life Including Variable Annuity & Health

NPN 21587972 Licensed 2025

Abigail C Henson

Life Including Variable Annuity & Health

NPN 2091075 Licensed 1999

Ada Iris Santos

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

NPN 3635049 Licensed 2006

Adam Betz

Life Including Variable Annuity & Health

NPN 21382662 Licensed 2024

Adam Hromiak

Life Including Variable Annuity & Health

NPN 7897325 Licensed 2003

Adam Jenne

Life Including Variable Annuity & Health

NPN 20051106 Licensed 2021

Adam M Yakubec

Life Including Variable Annuity & Health

NPN 3890418 Licensed 2000

Adam Rehmat

Life Including Variable Annuity & Health

NPN 21448829 Licensed 2025

Adam Richard Daniels

Life Including Variable Annuity & Health

NPN 20196774 Licensed 2022

Adam Roy Sparks

Life Including Variable Annuity & Health

NPN 19823341 Licensed 2021

Adam V Krausz

Life Including Variable Annuity & Health

NPN 22186889 Licensed 2026

Adam Vooris

Life Including Variable Annuity & Health

NPN 18853358 Licensed 2018

Adley Siverio Bello

Life Including Variable Annuity & Health

NPN 21439138 Licensed 2025

Adolfo Enrique Villa Marquez

Life Including Variable Annuity & Health

NPN 21635757 Licensed 2025

Adonis Buzon Lopez

Life Including Variable Annuity & Health

NPN 21342803 Licensed 2024

Adonis Nunezmijan

Life Including Variable Annuity & Health

NPN 18952865 Licensed 2018

Adony Lopez

Life Including Variable Annuity & Health

NPN 20482230 Licensed 2022

Adrian Haedo

Life Including Variable Annuity & Health

NPN 20032790 Licensed 2024

Adriana Ariza

Life Including Variable Annuity & Health

NPN 18771729 Licensed 2018

Adriana C Dawson

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

NPN 17859368 Licensed 2016

Adriana Lorenzo Ramas

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

NPN 20393918 Licensed 2022

Adriana Quiroga-Rodriguez

Life Including Variable Annuity & Health

NPN 21760784 Licensed 2025

View all 1700 licensed hospital indemnity producers in Cape Coral →

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 Cape Coral regional market. Rates are localized using regional health baselines.

Official Cape Coral Resources

County Lee County

Population ~198,912

Lack of insurance (18–64) 16.1%

FIPS code 1210275

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 Cape Coral rates. Start your quote request below.

FL OIR .GOV Lee County Gov Portal .GOV

2.2 70 reviews

Photos by Brasspineapple Productions LLC , Carlos HumbertoVillegas Toro Cavito , Skyeye__media , Elijah Sizemore via Google Maps

View on Google Maps

Cape Coral City Hall

Open now · Mon 7:30 AM – 4:30 PM

(239) 574-0401

capecoral.gov .GOV

1015 Cultural Park Blvd, Cape Coral, FL 33990, USA

Recent Reviews

Joseph Gallagher ★★★★★

"I've been a resident of CC for 6 or so years now, and I just recently became aware of just how much the city has to offer. Now I realize how many parks and events there are - of all types - I love th…"

Chris Allers ★☆☆☆☆

"A 2 star town. Don't invest your money here. Lots of crime and very poorly ran. Ask anyone. All my neighbors dislike the city a ton. They need nee leadership. I will never invest here again."

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 Cape Coral

More Insurance Options in Cape Coral, 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 Cape Coral, FL

Cape Coral, FL — Your Local Producer

Licensed Hospital Indemnity Producers in Cape Coral

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official Cape Coral 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 Cape Coral, 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 Cape Coral Resources