June Marcia Williams

Your Insurance Agent in Bay Harbor Islands, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Bay Harbor Islands, FL...

National Producer No.

17209549

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Hospital Indemnity Insurance in Bay Harbor Islands, FL

Daily cash benefits — $100 to $1,500/day — paid directly to you.

Hospital indemnity insurance for Bay Harbor Islands, 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 · Bay Harbor Islands, FL

Bay Harbor Islands, FL — Your Local Producer

As a resident of the greater Miami-Dade area, I understand the unique lifestyle we enjoy here in South Florida. For my neighbors in beautiful Bay Harbor Islands, navigating life's financial uncertainties is just as important as enjoying our coastal community. My role as a licensed insurance producer is to help you understand your options for personal insurance, from term and whole life to policies covering critical illness or final expenses. I provide clear, straightforward information so you can make confident decisions for your family's future. As your local resource, I'm here to help. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Kane Concourse
Ruth K. Broad Bay Harbor K-8 Center
Bay Harbor Islands Town Hall

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Bay Harbor Islands

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

Alani Sachi Espy

Life Including Variable Annuity & Health

NPN 21154989 Licensed 2024

Ariel Dressler

Life Including Variable Annuity & Health

NPN 20972246 Licensed 2023

Claudia Lissette Lopez

Life Including Variable Annuity & Health

NPN 20741879 Licensed 2023

Dino Bagdadi

Life Including Variable Annuity & Health

NPN 19064855 Licensed 2019

Eli Sklarin

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

NPN 21245097 Licensed 2024

Felipe Cristian Parker Coll

Life Including Variable Annuity & Health

NPN 21557237 Licensed 2025

Franci Argelys Soto-Escobar

Life Including Variable Annuity & Health

NPN 21213263 Licensed 2024

Gianfranco La Rosa

Life Including Variable Annuity & Health

NPN 20418757 Licensed 2022

Gonzalo Jose Montiel-Bezara

Life Including Variable Annuity & Health

NPN 21249065 Licensed 2024

Jacque Tore' Espy

Life Including Variable Annuity & Health

NPN 21022962 Licensed 2023

Javier Alejandro Pabon

Life Including Variable Annuity & Health

NPN 20183389 Licensed 2021

Jay E Abramowitz

Life Including Variable Annuity & Health

NPN 592519 Licensed 2001

Jeff David Hackmeier

Life Including Variable Annuity & Health

NPN 443948 Licensed 1978

Jordan Chase Hackmeier

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

NPN 17303457 Licensed 2014

Joyce Ellen Green

Life Including Variable Annuity & Health

NPN 484448 Licensed 1994

Luis Alexis Rivadeneira

Life Including Variable Annuity & Health

NPN 20647120 Licensed 2023

Mabel Bartolomes

Life Including Variable Annuity & Health

NPN 21695111 Licensed 2025

Max Jacob Whitehead

Life Including Variable Annuity & Health

NPN 21298398 Licensed 2024

Melissa Anilam De Bedout

Life Including Variable Annuity & Health

NPN 18490221 Licensed 2017

Michael Mailey

Life Including Variable Annuity & Health

NPN 19034726 Licensed 2019

Michael Von-Heesen

Life Including Variable Annuity & Health

NPN 22236708 Licensed 2026

Morris Yaffe

Life Including Variable Annuity & Health

NPN 22059720 Licensed 2025

Norman Joseph Hurwitz

Life Including Variable Annuity & Health

NPN 619677 Licensed 1979

Priscilla Pena

Life Including Variable Annuity & Health

NPN 21690612 Licensed 2025

View all 36 licensed hospital indemnity producers in Bay Harbor Islands →

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 Bay Harbor Islands regional market. Rates are localized using regional health baselines.

Official Bay Harbor Islands Resources

County Miami Dade County

Population ~5,843

Lack of insurance (18–64) 13.6%

FIPS code 1203975

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 Bay Harbor Islands rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV

3.7 3 reviews

Mayor Joseph J. Gardner Government Center photo 1

Mayor Joseph J. Gardner Government Center photo 2

Photos by Mayor Joseph J. Gardner Government Center , Bridget Anne via Google Maps

View on Google Maps

Mayor Joseph J. Gardner Government Center

Open now · Mon 9:00 AM – 5:00 PM

(305) 866-6241

bayharborislands-fl.gov .GOV

9665 Bay Harbor Terrace, Bay Harbor Islands, FL 33154, USA

Recent Reviews

M PG ★☆☆☆☆

"Bay Harbor was a beautiful town. I’ve lived here for 9 years. The last 3 were terrible. The city is greedy- all they do is develop new buildings- they have 0 traffic solutions. God forbid someone was …"

Jeremy Castonguay ★★★★★

"The staff at the Bay Harbor Islands town office is fantastic! I picked up a parking pass today and I was in and out in five minutes with a smile on my face. :-)"

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

✅

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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

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.

👨‍👩‍👧

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 Bay Harbor Islands

More Insurance Options in Bay Harbor Islands, 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 Bay Harbor Islands, FL

Bay Harbor Islands, FL — Your Local Producer

Licensed Hospital Indemnity Producers in Bay Harbor Islands

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official Bay Harbor Islands 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 Bay Harbor Islands, 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 Bay Harbor Islands Resources