June Marcia Williams

Your Insurance Agent in Fernandina Beach, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Fernandina Beach, FL...

National Producer No.

17209549

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Hospital Indemnity Insurance in Fernandina Beach, FL

June Williams — supplemental health specialist. HDHP gap coverage.

Hospital indemnity insurance for Fernandina Beach, 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 · Fernandina Beach, FL

Fernandina Beach, FL — Your Local Producer

For my neighbors in Fernandina Beach, enjoying our unique island life is what it's all about. From the historic downtown to the beautiful coastline, we have so much to protect. I'm June Marcia Williams, a licensed insurance producer right here in Florida, and I'm dedicated to helping you secure that peace of mind. Whether you're considering Term Life, Final Expense, or supplemental health plans like Critical Illness or Accident & Injury, I can help you navigate your options. My goal is to understand your needs and find a personalized solution for your family's financial future. (NPN: 17209549, Florida License No: W840529)

Fort Clinch State Park
Amelia Island Lighthouse
Centre Street

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Fernandina Beach

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

Adam Peter Bessette

Life Including Variable Annuity & Health

NPN 2111423 Licensed 2026

Adam Robert Macdougall

Life Including Variable Annuity & Health

NPN 21344883 Licensed 2024

Alan Edward Boyer

Life Including Variable Annuity & Health

NPN 8492579 Licensed 2009

Alicia Marie Woodham

Life Including Variable Annuity & Health

NPN 17784680 Licensed 2015

Allison M Hofmann

Life Including Variable Annuity & Health

NPN 7382038 Licensed 2019

Amanda Weimar

Life Including Variable Annuity & Health

NPN 20038833 Licensed 2021

Amelia Anne Tackett

Life Including Variable Annuity & Health

NPN 21025127 Licensed 2024

Amelia Son

Life Including Variable Annuity & Health

NPN 20298952 Licensed 2022

Amy Hoppe

Life Including Variable Annuity & Health

NPN 19285697 Licensed 2019

Amy Lee Ryan

Life Including Variable Annuity & Health

NPN 7890292 Licensed 2011

Andrew Sameul Newton

Life Including Variable Annuity & Health

NPN 20113696 Licensed 2023

Anna Cannata

Life Including Variable Annuity & Health

NPN 20873458 Licensed 2023

Ashley Thomas

Life Including Variable Annuity & Health

NPN 21621892 Licensed 2025

Audrey Louise Jones

Life Including Variable Annuity & Health

NPN 8549316 Licensed 2006

Barbara M Broyles

Life Including Variable Annuity & Health

NPN 19582343 Licensed 2020

Benjamin Shane Hoots

Life Including Variable Annuity & Health

NPN 20383948 Licensed 2022

Billy T Bush

Life Including Variable Annuity & Health

NPN 7005580 Licensed 2026

Brandi O'Brien

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

NPN 17864548 Licensed 2022

Brandon Keith Hall

Life Including Variable Annuity & Health

NPN 17405179 Licensed 2014

Brendan Matthew Twiggs

Life Including Variable Annuity & Health

NPN 21475024 Licensed 2025

Brian Christopher Weepie

Life Including Variable Annuity & Health

NPN 21020518 Licensed 2023

Brian Henning

Life Including Variable Annuity & Health

NPN 16944110 Licensed 2013

Brian Todd Burnum

Life Including Variable Annuity & Health

NPN 20411262 Licensed 2022

Brianna Corin Bango-Sanchez

Life Including Variable Annuity & Health

NPN 20141070 Licensed 2021

View all 207 licensed hospital indemnity producers in Fernandina Beach →

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 Fernandina Beach regional market. Rates are localized using regional health baselines.

Official Fernandina Beach Resources

County Nassau County

Population ~13,028

Lack of insurance (18–64) 7.3%

FIPS code 1222175

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 Fernandina Beach rates. Start your quote request below.

FL OIR .GOV Nassau County Gov Portal .GOV

3.5 8 reviews

Photos by God's Love , Patriot The Penguin (Bottlesgonewild) via Google Maps

View on Google Maps

Fernandina Beach City Hall

Open now · Mon 8:00 AM – 5:00 PM

(904) 310-3100

fbfl.us

204 Ash St, Fernandina Beach, FL 32034, USA

Recent Reviews

God's Love ★☆☆☆☆

"It's heartbreaking to witness the slow demise of Fernandina Beach, Florida's downtown neighborhoods. Once vibrant with worker homes and local residents, these areas are being replaced by vacation home…"

claire vauzanges ★★★★★

"Banks are audited once a year, but it is rare for small cities to scrutinize their money handling. More often than not, their finances should be examined annually for waste, fraud, and "loose" accoun…"

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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Phone Number

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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

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 Fernandina Beach

More Insurance Options in Fernandina Beach, 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 Fernandina Beach, FL

Fernandina Beach, FL — Your Local Producer

Licensed Hospital Indemnity Producers in Fernandina Beach

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official Fernandina Beach 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 Fernandina Beach, 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 Fernandina Beach Resources