June Marcia Williams

Your Insurance Agent in Mary Esther, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Mary Esther, FL...

National Producer No.

17209549

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Hospital Indemnity Insurance in Mary Esther, FL

Affordable daily benefit plans. Guaranteed renewable.

Hospital indemnity insurance for Mary Esther, 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 · Mary Esther, FL

Mary Esther, FL — Your Local Producer

Hello Mary Esther! As a resident of the beautiful Emerald Coast, I appreciate the unique quality of life we enjoy here in Okaloosa County. My name is June Marcia Williams, and as your local licensed insurance producer, I'm dedicated to helping my neighbors protect what matters most. Whether you're considering Term Life, Final Expense, or Accident & Injury coverage, I can help you navigate your options with personalized attention. My goal is to help you secure the right financial protection for your family's future right here in our community. (NPN: 17209549, Florida License No: W840529)

Mary Esther City Hall
Santa Rosa Mall
Hurlburt Field

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Mary Esther

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

Blake Thomas Hutcheson

Life Including Variable Annuity & Health

NPN 21406682 Licensed 2024

Brandy Lynn Saddi

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

NPN 12777574 Licensed 2011

Brayden Thomas Holland

Life Including Variable Annuity & Health

NPN 21581787 Licensed 2025

Britainia Birr

Life Including Variable Annuity & Health

NPN 19571800 Licensed 2020

Cameron Joseph Ederer

Life Including Variable Annuity & Health

NPN 20786438 Licensed 2023

Carlos Oved Reyes Mayorquin

Life Including Variable Annuity & Health

NPN 22270204 Licensed 2026

Chaz Hunter Chandler

Life Including Variable Annuity & Health

NPN 20038263 Licensed 2021

Cheri Garrett

Life Including Variable Annuity & Health

NPN 17510189 Licensed 2015

Daniel William Healy

Life Including Variable Annuity & Health

NPN 3230637 Licensed 2000

Darius Smiley

Life Including Variable Annuity & Health

NPN 20275212 Licensed 2022

David Benard Lewis

Life Including Variable Annuity & Health

NPN 6408603 Licensed 2023

Deangelo Pickens

Life Including Variable Annuity & Health

NPN 21620943 Licensed 2025

Donald R Hawkins

Life Including Variable Annuity & Health

NPN 2094077 Licensed 1999

Duane Obie Gilmore

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

NPN 479078 Licensed 1988

Elizabeth Ann Ball

Life Including Variable Annuity & Health

NPN 17363280 Licensed 2014

Erika Prado

Life Including Variable Annuity & Health

NPN 20639330 Licensed 2023

Gary Vernon Sheets

Life Including Variable Annuity & Health

NPN 15327078 Licensed 2019

Gayle Schwarz Vann

Life Including Variable Annuity & Health

NPN 21180663 Licensed 2024

Holly Angelia Wood

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

NPN 20286762 Licensed 2022

Jennifer L Stewart

Life Including Variable Annuity & Health

NPN 20126439 Licensed 2021

Jeremiah E Williams

Life Including Variable Annuity & Health

NPN 22111084 Licensed 2026

Jeremy Pasko-Grab

Life Including Variable Annuity & Health

NPN 19364371 Licensed 2019

John Charles Davis

Life Including Variable Annuity & Health

NPN 2895221 Licensed 1999

John Ocran

Life Including Variable Annuity & Health

NPN 20646362 Licensed 2023

View all 58 licensed hospital indemnity producers in Mary Esther →

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 Mary Esther regional market. Rates are localized using regional health baselines.

Official Mary Esther Resources

County Okaloosa County

Population ~4,018

Lack of insurance (18–64) 10.9%

FIPS code 1243375

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 Mary Esther rates. Start your quote request below.

FL OIR .GOV Okaloosa County Gov Portal .GOV

2.8 6 reviews

Photos by Debra Allenbrand via Google Maps

View on Google Maps

City Hall

Open now · Mon 8:00 AM – 1:00 PM, 2:00 – 5:00 PM

(850) 243-3566

cityofmaryesther.com

195 Christobal Rd, Mary Esther, FL 32569, USA

Recent Reviews

Debra Allenbrand ★☆☆☆☆

"Have been trying to get a building permit to add a roof to our front porch for over a year now. Permits administration has changed the reason 3 times now. We have complied with requests at our expense…"

A P ★☆☆☆☆

"Mary esther code enforcement clearly doesn't do job since now waste dumpster lid over the property line and over the fence approaching on my property"

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

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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 Mary Esther

More Insurance Options in Mary Esther, 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 Mary Esther, FL

Mary Esther, FL — Your Local Producer

Licensed Hospital Indemnity Producers in Mary Esther

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official Mary Esther 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 Mary Esther, 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 Mary Esther Resources