June Marcia Williams

Your Insurance Agent in Key Largo, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Key Largo, FL...

National Producer No.

17209549

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Hospital Indemnity Insurance in Key Largo, FL

Cover deductibles, copays, and lost wages during hospitalization.

Hospital indemnity insurance for Key Largo, 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 · Key Largo, FL

Key Largo, FL — Your Local Producer

Hello, Key Largo! Living here in the upper Florida Keys means embracing a unique island lifestyle, from our beautiful coral reefs to stunning sunsets. It's a special way of life that deserves thoughtful protection. My name is June Marcia Williams, and as a licensed insurance producer in Florida, I'm dedicated to helping my neighbors navigate their options for life, final expense, and supplemental health insurance. Whether you're planning for your family's future or seeking peace of mind, I can help you understand the policies available. Let's chat about securing your legacy in our slice of paradise. (NPN: 17209549, FL License: W840529)

John Pennekamp Coral Reef State Park
Harry Harris Park and Beach
Key Largo School

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Key Largo

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

Abel Sanchez

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

NPN 17096734 Licensed 2013

Alejandro Nicholas Godinez

Life Including Variable Annuity & Health

NPN 20373374 Licensed 2022

Alfonso Joseph Miranda

Life Including Variable Annuity & Health

NPN 7130824 Licensed 2016

Almaneri Correa

Life Including Variable Annuity & Health

NPN 21330427 Licensed 2024

Amy Starlight Lawrence

Life Including Variable Annuity & Health

NPN 18456235 Licensed 2017

Ana Teresa Alonso

Life Including Variable Annuity & Health

NPN 3568383 Licensed 2007

Benjamin Earl Wieland

Life Including Variable Annuity & Health

NPN 17743319 Licensed 2015

Blake Hodgson

Life Including Variable Annuity & Health

NPN 8833709 Licensed 2022

Brenda Quiroz

Life Including Variable Annuity & Health

NPN 17682263 Licensed 2015

Brian Scott Miller

Life Including Variable Annuity & Health

NPN 8770286 Licensed 2006

Brooke Vega

Life Including Variable Annuity & Health

NPN 20360563 Licensed 2022

Dana Frances Doyle

Life Including Variable Annuity & Health

NPN 20327461 Licensed 2022

Daria Louise Perry

Life Including Variable Annuity & Health

NPN 22049649 Licensed 2025

David Barclay Wilson

Life Including Variable Annuity & Health

NPN 433702 Licensed 1992

Filip Earl Wieland

Life Including Variable Annuity & Health

NPN 544391 Licensed 1989

Gabriel Delgado

Life Including Variable Annuity & Health

NPN 21429313 Licensed 2025

Geily Sanchez

Life Including Variable Annuity & Health

NPN 21593857 Licensed 2025

Giovanni Joseph Jiovenetta

Life Including Variable Annuity & Health

NPN 18847459 Licensed 2018

Jason Nathaniel Beegle

Life Including Variable Annuity & Health

NPN 13108379 Licensed 2009

Jason Polanco

Life Including Variable Annuity & Health

NPN 20728725 Licensed 2023

Jennifer Kunkowski

Life Including Variable Annuity & Health

NPN 16904426 Licensed 2013

John Harrelson

Life Including Variable Annuity & Health

NPN 20856255 Licensed 2023

Jorge Sanabria

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

NPN 1633768 Licensed 1998

Joscelyn Lloyd Shippey

Life Including Variable Annuity & Health

NPN 536077 Licensed 1981

View all 50 licensed hospital indemnity producers in Key Largo →

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 Key Largo regional market. Rates are localized using regional health baselines.

Official Key Largo Resources

County Monroe County

Population ~12,021

Lack of insurance (18–64) 13.9%

FIPS code 1236375

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 Key Largo rates. Start your quote request below.

FL OIR .GOV Monroe County Gov Portal .GOV

Photos by Sean Buckmaster , City of Largo , charles kohalisky , Largo City Hall via Google Maps

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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

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

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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

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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

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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 Key Largo

More Insurance Options in Key Largo, 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 Key Largo, FL

Key Largo, FL — Your Local Producer

Licensed Hospital Indemnity Producers in Key Largo

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official Key Largo 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 Key Largo, 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 Key Largo Resources