June Marcia Williams

Your Insurance Agent in Palmetto Bay, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Palmetto Bay, FL...

National Producer No.

17209549

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Hospital Indemnity Insurance in Palmetto Bay, FL

Cover deductibles, copays, and lost wages during hospitalization.

Hospital indemnity insurance for Palmetto Bay, 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 · Palmetto Bay, FL

Palmetto Bay, FL — Your Local Producer

Hello, Palmetto Bay! As a licensed insurance producer right here in the Miami-Dade County area, I appreciate the wonderful quality of life our community offers. My passion is helping my neighbors protect their families and futures. I'm June Marcia Williams, and I specialize in personal insurance solutions tailored to your unique needs. Whether you're considering Term, Whole, or Universal Life insurance, or need coverage for Final Expenses, Critical Illness, Hospital Indemnity, or Accidents, I'm here to guide you. I also assist with Business Life and special situations. Let's work together to secure your peace of mind. (NPN: 17209549, Florida License No: W840529)

Deering Estate
Coral Reef Park
Village of Palmetto Bay Village Hall

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Palmetto Bay

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

Adrian Jose Alfonso

Life Including Variable Annuity & Health

NPN 20765398 Licensed 2023

Alberto Salinas Reyespatria

Life Including Variable Annuity & Health

NPN 21744061 Licensed 2025

Alejandro S Masferrer

Life Including Variable Annuity & Health

NPN 3529090 Licensed 2013

Alen Turcinhodzic

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

NPN 17914404 Licensed 2022

Alex Irias

Life Including Variable Annuity & Health

NPN 3639835 Licensed 2019

Alexander Castello

Life Including Variable Annuity & Health

NPN 18741743 Licensed 2018

Alexander Jason Garcia

Life Including Variable Annuity & Health

NPN 21185275 Licensed 2024

Alfonso Danilo Bonilla

Life Including Variable Annuity & Health

NPN 21011981 Licensed 2023

Alfredo B Gonzaga

Life Including Variable Annuity & Health

NPN 19795097 Licensed 2021

Ana M Martinez

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

NPN 561303 Licensed 2000

Ana Maria Iragorri

Life Including Variable Annuity & Health

NPN 21074514 Licensed 2024

Anaysa Albanes

Life Including Variable Annuity & Health

NPN 18616522 Licensed 2017

Andres Joaquin Baquero

Life Including Variable Annuity & Health

NPN 21273668 Licensed 2024

Annete Deana Herman

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

NPN 7392817 Licensed 2000

Annette Falla

Life Including Variable Annuity & Health

NPN 589864 Licensed 2019

Annie Martinez

Life Including Variable Annuity & Health

NPN 22124995 Licensed 2026

Antonio V Riva

Life Including Variable Annuity & Health

NPN 598954 Licensed 1996

Armelle Caroline Petiau

Life Including Variable Annuity & Health

NPN 19799115 Licensed 2026

Ashley Dolores Canasi

Life Including Variable Annuity & Health

NPN 20046334 Licensed 2021

Barbara Tabares

Life Including Variable Annuity & Health

NPN 508316 Licensed 1995

Bennett Arcilla Thelmo

Life Including Variable Annuity & Health

NPN 19093016 Licensed 2019

Beverly Bandlow Curmanskie

Life Including Variable Annuity & Health

NPN 498237 Licensed 1982

Bo Zhou

Life Including Variable Annuity & Health

NPN 19381338 Licensed 2019

Caitlin Dennis

Life Including Variable Annuity & Health

NPN 21372324 Licensed 2024

View all 156 licensed hospital indemnity producers in Palmetto Bay →

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 Palmetto Bay regional market. Rates are localized using regional health baselines.

Official Palmetto Bay Resources

County Miami Dade County

Population ~24,267

Lack of insurance (18–64) 22.4%

FIPS code 1254275

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 Palmetto Bay rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV

3.9 27 reviews

Photos by M M , Herve Andrieu , Giuliana Hernandez , Sensei David Miranda Jr. via Google Maps

View on Google Maps

Village of Palmetto Bay

Open now · Mon 8:30 AM – 4:00 PM

(305) 259-1234

palmettobay-fl.gov .GOV

9705 Hibiscus St, Palmetto Bay, FL 33157, USA

Recent Reviews

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"Without a doubt, Idalmis deserves a five-star review! From the moment I walked in, her attention was impeccable. Her professionalism and kindness stood out in every interaction, making my experience t…"

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"10/10 experience! Idalmy assisted me in getting my son's passport and guided me through the process from beginning to end. Receptionist was very helpful as well. I would definitely recommend coming he…"

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 Palmetto Bay

More Insurance Options in Palmetto Bay, 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 Palmetto Bay, FL

Palmetto Bay, FL — Your Local Producer

Licensed Hospital Indemnity Producers in Palmetto Bay

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official Palmetto Bay 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 Palmetto Bay, 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 Palmetto Bay Resources