June Marcia Williams

Your Insurance Agent in Windermere, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Windermere, FL...

National Producer No.

17209549

Verify ↗

Hospital Indemnity Insurance in Windermere, FL

Daily cash benefits — $100 to $1,500/day — paid directly to you.

Hospital indemnity insurance for Windermere, 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 · Windermere, FL

Windermere, FL — Your Local Producer

For my neighbors in Windermere, life is defined by our beautiful town's unique charm and the serene beauty of the Butler Chain of Lakes. Protecting that way of life for your family is my priority. I offer personalized guidance on a range of insurance options, including Term Life, Whole Life, Final Expense, and Critical Illness policies. My goal is to help you understand your choices and build a financial safety net that fits your specific needs. As a licensed Florida insurance producer (NPN: 17209549, Florida License No: W840529), I'm committed to serving our community with integrity.

Windermere Town Hall
Fernwood Park
Windermere Elementary School

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Windermere

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

Abbagail A Hamedl

Life Including Variable Annuity & Health

NPN 22123539 Licensed 2026

Abiola Byron

Life Including Variable Annuity & Health

NPN 20560253 Licensed 2022

Adam Benjelloun

Life Including Variable Annuity & Health

NPN 22146616 Licensed 2026

Adam Christopher Premo

Life Including Variable Annuity & Health

NPN 22147999 Licensed 2026

Adam James Aboulfath

Life Including Variable Annuity & Health

NPN 22208112 Licensed 2026

Adam Maalmi

Life Including Variable Annuity & Health

NPN 21592687 Licensed 2025

Adam Stephen Perry

Life Including Variable Annuity & Health

NPN 9069639 Licensed 2018

Adriane S M Medeiros

Life Including Variable Annuity & Health

NPN 21416974 Licensed 2025

Aidan Flandrau

Life Including Variable Annuity & Health

NPN 20478974 Licensed 2022

Ajay Mirchumal Manghnani

Life Including Variable Annuity & Health

NPN 19681559 Licensed 2020

Alberto Amador Melendez

Life Including Variable Annuity & Health

NPN 21241156 Licensed 2024

Alejandro Daniel Ochoa

Life Including Variable Annuity & Health

NPN 22141915 Licensed 2026

Alejandro F Soto

Life Including Variable Annuity & Health

NPN 15777959 Licensed 2010

Alex Perez

Life Including Variable Annuity & Health

NPN 18827211 Licensed 2019

Alexa West

Life Including Variable Annuity & Health

NPN 21984662 Licensed 2026

Alexander Emilio Zerega-Knuth

Life Including Variable Annuity & Health

NPN 18887635 Licensed 2018

Aline Da Costa Barrento Gonzales

Life Including Variable Annuity & Health

NPN 22186456 Licensed 2026

Alisha Asif Ansari

Life Including Variable Annuity & Health

NPN 22261613 Licensed 2026

Allan Douglas Parrish

Life Including Variable Annuity & Health

NPN 521061 Licensed 1977

Allen Stephen Mosby

Life Including Variable Annuity & Health

NPN 21547792 Licensed 2025

Ameer Adam Chakboub

Life Including Variable Annuity & Health

NPN 21759332 Licensed 2025

Amy Marie Growe

Life Including Variable Annuity & Health

NPN 18932403 Licensed 2018

Ana Cecilia Araujo Nunes Silva

Life Including Variable Annuity & Health

NPN 19978199 Licensed 2021

Ana Karina Carruyo

Life Including Variable Annuity & Health

NPN 19499867 Licensed 2020

View all 490 licensed hospital indemnity producers in Windermere →

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

Official Windermere Resources

County Orange County

Population ~3,043

Lack of insurance (18–64) 9.3%

FIPS code 1278050

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 Windermere rates. Start your quote request below.

FL OIR .GOV Orange County Gov Portal .GOV

4.5 28 reviews

Photos by Donna Longo , Roads Traveled Photography , Laura Dowling , Roman via Google Maps

View on Google Maps

Windermere Town Hall

town.windermere.fl.us

520 Main St, Windermere, FL 34786, USA

Recent Reviews

Roman ★★★★☆

"Cute historical town hall in a pleasant area, next to a basketball court, another historic building and a veterans memorial. This nice tree covered area, is a comfortable place to sit, in the shade an…"

Alejandra Gallagher ★★★★★

"Windermere before Oct 11th 5k & 10k"

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.

Your Name

Phone Number

Email Address

⚡ Call me ASAP — I want to speak with an agent as soon as possible

Your info is secure · Never shared · June responds within 30 min

✅

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

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.

💲

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 Windermere

More Insurance Options in Windermere, 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.

📋

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.

Nearby Hospital Indemnity Coverage

Read the Full Hospital Indemnity Consumer Guide →

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

Talk to a real person. Today.

No automated phone trees. No chatbots. Schedule a time that works for you and a licensed agent with 12 years of experience calls you directly.

Licensed in 5 states NPN verified No obligation

📅 Schedule a Call 💬 Get Your Quote

Hospital Indemnity Insurance in Windermere, FL

Windermere, FL — Your Local Producer

Licensed Hospital Indemnity Producers in Windermere

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official Windermere 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 Windermere, 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?

Also Serving Orange County

Apopka Life Protection

Meadow Woods Financial Security

Oakland Coverage Guide

Orlando Financial Security

Orlo Vista Wealth Strategy

South Apopka Coverage Guide

Southchase Financial Security

The Winter Garden Legacy Plan

Winter Park Coverage Guide

The Zellwood Legacy Plan

Grant Life Protection

Indian Harbor Be Life Protection

The Indian Harbour Beach Legacy Plan

Melbourne Coverage Guide

Merritt Island Wealth Strategy

North Merritt Island Life Protection

Palm Bay Coverage Guide

The Patrick AFB Legacy Plan

Rockledge Coverage Guide

Titusville Wealth Strategy

The Altamonte Spring Legacy Plan

Altamonte Springs Financial Security

The Casselberry Legacy Plan

Fern Park Wealth Strategy

The Heathrow Legacy Plan

The Lake Mary Legacy Plan

Longwood Financial Security

Oviedo Life Protection

Sanford Life Protection

Winter Springs Wealth Strategy

Talk to a real person. Today.

Hospital Indemnity Insurance Underwriting Scope

Official Windermere Resources