June Marcia Williams

Your Insurance Agent in Tavernier, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Tavernier, FL...

National Producer No.

17209549

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Hospital Indemnity Insurance in Tavernier, FL

June Williams — supplemental health specialist. HDHP gap coverage.

Hospital indemnity insurance for Tavernier, 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 · Tavernier, FL

Tavernier, FL — Your Local Producer

Living in Tavernier means embracing the unique rhythm of the Florida Keys. While we all cherish the laid-back island lifestyle, planning for the future is just as important as enjoying the present. My name is June Marcia Williams, and as a licensed insurance producer, I'm dedicated to helping my Monroe County neighbors protect what matters most. I offer personal guidance on a range of options, from Term and Whole Life to Final Expense and supplemental health policies. My goal is to help you understand your choices so you can secure your family’s financial well-being. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Harry Harris Park
Coral Shores High School
Mariners Hospital

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Tavernier

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

Alissa Marie Whittle

Life Including Variable Annuity & Health

NPN 17684376 Licensed 2022

Anthony Romero

Life Including Variable Annuity & Health

NPN 7088737 Licensed 2004

Darin R Carroll

Life Including Variable Annuity & Health

NPN 931642 Licensed 2023

Erica D'Agostino

Life Including Variable Annuity & Health

NPN 21065049 Licensed 2024

Harley Nathan Kane

Life Including Variable Annuity & Health

NPN 19985439 Licensed 2021

James Deslondes

Life Including Variable Annuity & Health

NPN 20503540 Licensed 2023

Jodie Cerra

Life Including Variable Annuity & Health

NPN 21101574 Licensed 2024

Joseph Cass Miller

Life Including Variable Annuity & Health

NPN 20856263 Licensed 2023

Joshua F Hornik

Life Including Variable Annuity & Health

NPN 7335632 Licensed 2021

Juan David Franco

Life Including Variable Annuity & Health

NPN 18598552 Licensed 2017

Kendahl Harrison

Life Including Variable Annuity & Health

NPN 16833401 Licensed 2012

Kimberly Kimberly Harrington

Life Including Variable Annuity & Health

NPN 22273891 Licensed 2026

Marshall Merrriman

Life Including Variable Annuity & Health

NPN 21255549 Licensed 2024

Mary Elizabeth Houston

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

NPN 8197977 Licensed 2007

Miriam Garcia

Life Including Variable Annuity & Health

NPN 7555080 Licensed 2019

Myrna Hill

Life Including Variable Annuity & Health

NPN 872020 Licensed 2019

Norberto Menendez

Life Including Variable Annuity & Health

NPN 22131307 Licensed 2026

Peter Smilovsky

Life Including Variable Annuity & Health

NPN 8081796 Licensed 2004

Robert Richard Warner

Life Including Variable Annuity & Health

NPN 8633780 Licensed 2020

Sara Marylen Roth

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

NPN 20751837 Licensed 2023

Sean William Sinnamon

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

NPN 20395379 Licensed 2022

Shannon Quinn Catarineau

Life Including Variable Annuity & Health

NPN 18586839 Licensed 2017

Stacia Devon Martinez

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

NPN 16666339 Licensed 2025

Sylvia Rossi-Montero

Life Including Variable Annuity & Health

NPN 13854756 Licensed 2009

View all 27 licensed hospital indemnity producers in Tavernier →

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

Official Tavernier Resources

County Monroe County

Population ~2,261

Lack of insurance (18–64) 12.7%

FIPS code 1271250

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 Tavernier rates. Start your quote request below.

FL OIR .GOV Monroe County Gov Portal .GOV

4.6 412 reviews

"Unfussy, family-owned stop for classic seafood plates, burgers, beer & wine alongside takeout." Google editorial · City Hall Cafe & Wine bar

Photos by City Hall Cafe & Wine bar via Google Maps

View on Google Maps

City Hall Cafe & Wine bar

Open now · Mon 11:00 AM – 9:00 PM

(305) 852-3354

cityhallcafe.net

88511 Overseas Hwy, Tavernier, FL 33070, USA

Recent Reviews

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"The Best and Cheapest place to Eat Between Homestead Florida and Key West Florida and huge portions of homemade potato salad etc..I FOUND THE OWNER TO BE A VERY FRIENDLY MAN 👨 ALSO. Peace Kenny ✌ ☮"

Dawna K. Davis ★★★★★

"I haven’t dined in yet however, the food is great and you know it is when you can’t get enough of it. I have the pasta salads quite often. My favorite is the Turkey Chipotle pasta salad. My second is …"

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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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 Tavernier

More Insurance Options in Tavernier, 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.

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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 Tavernier, FL

Tavernier, FL — Your Local Producer

Licensed Hospital Indemnity Producers in Tavernier

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official Tavernier 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 Tavernier, 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 Tavernier Resources