Directory
Life & Health Agents Property & Casualty Agents Insurance Agencies Verify a License For Producers
Life Insurance
Term Life Insurance ↳ Term Life Quote & Cost Whole Life Insurance ↳ Whole Life Quotes Term vs Whole Life ↳ Compare Term vs Whole Life Universal Life (IUL) Final Expense Insurance ↳ Final Expense Quotes
Supplemental Coverage
Critical Illness Hospital Indemnity Accident & Injury
Business & Specialty
Business Life Insurance Special Situations
Areas Served
New Jersey Pennsylvania Florida Maryland Virginia About Contact 🗺️ Map I'm an Agent — It's Free

Home›Florida›Madison County›Madison›Hospital Indemnity Insurance

June Marcia Williams — Licensed Hospital Indemnity Insurance Agent in Madison, FL
June Marcia Williams
Your Insurance Agent in Madison, FL
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Madison, FL...
National Producer No.
17209549
Verify ↗

Hospital Indemnity Insurance in Madison, FL

Affordable daily benefit plans. Guaranteed renewable.

Hospital indemnity insurance for Madison, 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 · Madison, FL

Madison, FL — Your Local Producer

For my neighbors here in Madison, the strong sense of community and historic charm is what makes our corner of Madison County so special. Protecting your family's future is a vital part of maintaining that peace of mind. As a local licensed insurance producer, I'm here to help you navigate your options for personal insurance, including Term Life, Whole Life, Final Expense, and other policies designed to safeguard what matters most. I am dedicated to serving our community with personalized attention. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

  • Madison County Courthouse
  • Four Freedoms Park
  • Madison City Hall
NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Madison

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

AG
Abby Ann Godwin
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 17364526 Licensed 2018
AG
Andrew Shane Gilbert
Life Including Variable Annuity & Health
NPN 20196819 Licensed 2022
BB
Bradley Oneil Bashaw
Life Including Variable Annuity & Health
NPN 3639632 Licensed 2000
BD
Brandi Nicole Dubas
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 21620467 Licensed 2025
BS
Brandi Sapp
Life Including Variable Annuity & Health
NPN 21780919 Licensed 2025
CH
Cadence Hughes
Life Including Variable Annuity & Health
NPN 20722083 Licensed 2023
CE
Christina Elizabeth Ebberson
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 8233024 Licensed 2005
CC
Clifford Hood Chaplin
Life Including Variable Annuity & Health
NPN 19653801 Licensed 2020
DF
Damon Chandler Fico
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 9948577 Licensed 2025
DS
Danielle Bentley Storey
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 17827392 Licensed 2016
DK
Drake Kurtz
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 22106533 Licensed 2026
ER
Erika G Robinson
Life Including Variable Annuity & Health
NPN 20602609 Licensed 2023
HO
Haley Marie Odiorne
Life Including Variable Annuity & Health
NPN 18315698 Licensed 2023
HH
Heidi Hewett
Life Including Variable Annuity & Health
NPN 16495869 Licensed 2023
JD
James Arch Davis
Life Including Variable Annuity & Health
NPN 19320410 Licensed 2019
JB
James Franklin Bell
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 509139 Licensed 2002
JK
James Lewis King
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 482359 Licensed 2001
JG
Janice Fortaleza Greene
Life Including Variable Annuity & Health
NPN 19838485 Licensed 2021
JR
Jeffery Allan Rush
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 1029090 Licensed 1997
JP
John Byron Poore
Life Including Variable Annuity & Health
NPN 8717708 Licensed 2006
JB
Joshua David Beever
Life Including Variable Annuity & Health
NPN 21095034 Licensed 2024
KK
Katie Knight
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 8233025 Licensed 2005
KG
Ketina Knowles Glover
Life Including Variable Annuity & Health
NPN 9393824 Licensed 2023
KS
Kevin Shipp
Life Including Variable Annuity & Health
NPN 21095086 Licensed 2024
View all 40 licensed hospital indemnity producers in Madison →

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

Official Madison Resources

County Madison County
Population ~2,930
Lack of insurance (18–64) 18.4%
FIPS code 1242425

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 Madison rates. Start your quote request below.

FL OIR .GOV Madison County Gov Portal .GOV
Google Maps
5.0 3 reviews
View on Google Maps
Madison Natural Gas Department
(850) 973-5081
cityofmadisonfl.com
321 SW Rutledge St, Madison, FL 32340, USA
Recent Reviews
Gabby Ross ★★★★★
"Susan was so great and helped us understand how everything we needed worked"
Shirley King ★★★★★
"Excellent service fir turn on. Brent was very polite and knowledgeable. Answered our questions and treated us very respectfully"
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

✅

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.

Your info is secure · Never shared · June responds within 30 min
✅

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
📖 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.

💲

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.

📊

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.

💊

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.

👨‍👩‍👧

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.

⚖️

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 Madison

More Insurance Options in Madison, 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.

🏥

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.

📋

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+.

🏥

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.

🩺

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

Also Serving Madison County

Greenville Wealth Strategy

Hospital Indemnity protection tailored to Greenville families and businesses.

View Greenville Coverage

Lee Life Protection

Compare Hospital Indemnity rates from licensed carriers serving Lee.

View Lee Coverage

The Pinetta Legacy Plan

Dedicated Hospital Indemnity coverage page for Pinetta with local agent support.

View Pinetta Coverage

Boys Ranch Wealth Strategy

Personalized Hospital Indemnity quotes for Boys Ranch residents — no obligation.

View Boys Ranch Coverage

Branford Wealth Strategy

Compare Hospital Indemnity rates from licensed carriers serving Branford.

View Branford Coverage

Live Oak Financial Security

Compare Hospital Indemnity rates from licensed carriers serving Live Oak.

View Live Oak Coverage

The McAlpin Legacy Plan

Compare Hospital Indemnity rates from licensed carriers serving McAlpin.

View McAlpin Coverage

The O'Brien Legacy Plan

Hospital Indemnity protection tailored to O'Brien families and businesses.

View O'Brien Coverage

Wellborn Life Protection

Hospital Indemnity protection tailored to Wellborn families and businesses.

View Wellborn Coverage

The Perry Legacy Plan

Compare Hospital Indemnity rates from licensed carriers serving Perry.

View Perry Coverage

Salem Life Protection

Personalized Hospital Indemnity quotes for Salem residents — no obligation.

View Salem Coverage

Shady Grove Life Protection

Dedicated Hospital Indemnity coverage page for Shady Grove with local agent support.

View Shady Grove Coverage

Steinhatchee Life Protection

Hospital Indemnity protection tailored to Steinhatchee families and businesses.

View Steinhatchee Coverage
Read the Full Hospital Indemnity Consumer Guide →

Written by June Marcia Williams · NPN 17209549 · Independent guide for Florida consumers

Talk to a real person. Today.

No automated phone trees. No chatbots. Schedule a time that works for you and a licensed agent with 12 years of experience calls you directly.

Licensed in 5 states NPN verified No obligation
📅 Schedule a Call 💬 Get Your Quote
Select a time and we'll call you · Serving NJ, PA, FL, MD & VA
🛡️ Get Your Quote 📅 Schedule a Call
Ask Lia