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Home›Florida›Miami Dade County›West Miami›Hospital Indemnity Insurance

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

Cover deductibles, copays, and lost wages during hospitalization.

Hospital indemnity insurance for West Miami, 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 · West Miami, FL

West Miami, FL — Your Local Producer

Hello to my neighbors in West Miami! I love the close-knit, family-oriented spirit of our community, a wonderful pocket within the vibrant energy of Miami-Dade County. As a licensed Florida insurance producer, my goal is to help you protect what you value most. I'm June Marcia Williams, and I specialize in personal insurance solutions like Term, Whole, and Universal Life, as well as Final Expense, Critical Illness, and Accident & Injury plans. I'm here to help you navigate your options with care and find a plan that fits your unique life. (NPN: 17209549, Florida License No: W840529)

  • City of West Miami City Hall
  • Cooper Park
  • Sylvania Heights Elementary School
NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in West Miami

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

AH
Aldo Alfonso Hasbun
Life Including Variable Annuity & Health
NPN 20516036 Licensed 2022
AS
Alexander L Soto
Life Including Variable Annuity & Health
NPN 18517104 Licensed 2017
AD
Alma Lazara Dosal
Life Including Variable Annuity & Health
NPN 3578475 Licensed 2014
AA
Amanda De Leon Alvarez
Life Including Variable Annuity & Health
NPN 20857807 Licensed 2023
AH
Antonio Garcia Herrero
Life Including Variable Annuity & Health
NPN 21224062 Licensed 2024
CD
Carolina Diaz
Life Including Variable Annuity & Health
NPN 20332806 Licensed 2022
EC
Elio Ernesto Chacin Camacho
Life Including Variable Annuity & Health
NPN 20553552 Licensed 2022
EM
Evelyn Rojas Melendez
Life Including Variable Annuity & Health
NPN 20877510 Licensed 2023
FL
Federico Laluz
Life Including Variable Annuity & Health
NPN 17436781 Licensed 2014
GS
Gabriel Salazar
Life Including Variable Annuity & Health
NPN 21719699 Licensed 2025
GR
George Francis Rescigno
Life Including Variable Annuity & Health
NPN 450692 Licensed 1987
GM
Gullermo Madrigal
Life Including Variable Annuity & Health
NPN 21328875 Licensed 2024
HC
Hansel Chacon
Life Including Variable Annuity & Health
NPN 16608629 Licensed 2012
IH
Ignacio A Herrero
Life Including Variable Annuity & Health
NPN 4120020 Licensed 2001
JD
Jerry Diaz
Life Including Variable Annuity & Health
NPN 20356500 Licensed 2022
JL
Julio Flavio Llerena
Life Including Variable Annuity & Health
NPN 21134040 Licensed 2024
KG
Korey C Gil
Life Including Variable Annuity & Health
NPN 21723703 Licensed 2025
LR
Leandro Esteban Guerrero Rey
Life Including Variable Annuity & Health
NPN 20475909 Licensed 2022
LA
Leticia Alvarez
Life Including Variable Annuity & Health
NPN 21061157 Licensed 2023
LL
Lino Lizier
Life Including Variable Annuity & Health
NPN 21768440 Licensed 2025
MR
Manuel Antonio Rodriguez
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 20324414 Licensed 2022
ML
Marcos Lopez
Life Including Variable Annuity & Health
NPN 8088675 Licensed 2023
MA
Maria Laura De Leon Alvarez
Life Including Variable Annuity & Health
NPN 19664564 Licensed 2020
MM
Maria Patricia Mora
Life Including Variable Annuity & Health
NPN 18595757 Licensed 2017
View all 36 licensed hospital indemnity producers in West Miami →

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 West Miami regional market. Rates are localized using regional health baselines.

Official West Miami Resources

County Miami Dade County
Population ~7,104
Lack of insurance (18–64) 31.4%
FIPS code 1276525

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 West Miami rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV
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3.7 128 reviews
City of West Miami - City Hall photo 1City of West Miami - City Hall photo 2City of West Miami - City Hall photo 3
Photos by Rosa Z Astorga , Joao Elias , Standard Flight via Google Maps
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City of West Miami - City Hall
Open now · Mon 8:30 AM – 4:30 PM
(305) 266-1122
cityofwestmiami.gov .GOV
901 SW 62nd Ave, West Miami, FL 33144, USA
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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

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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
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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 West Miami

More Insurance Options in West Miami, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏥 Critical Illness ⚡ Accident & Injury 🏢 Business Life 🔑 Special Situations 🕊️ Final Expense
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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.

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Read the Full Hospital Indemnity Consumer Guide →

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

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