June Marcia Williams

Your Insurance Agent in Belleair, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Belleair, FL...

National Producer No.

17209549

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Hospital Indemnity Insurance in Belleair, FL

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

Hospital indemnity insurance for Belleair, 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 · Belleair, FL

Belleair, FL — Your Local Producer

Living in a place with the distinct charm of Belleair means having a lot worth protecting. As a local insurance professional serving Pinellas County, I'm dedicated to helping my neighbors secure their financial futures. My name is June Marcia Williams, and I provide personalized guidance on a range of personal insurance options, including Term Life, Whole Life, Final Expense, and various supplemental health plans. My goal is to help you understand your choices so you can feel confident in the strategy you build for your family. I am a licensed insurance producer, NPN: 17209549, with Florida License No: W840529.

Belleair Town Hall
Hunter Park
Belleair Country Club

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Belleair

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

Allen Metts

Life Including Variable Annuity & Health

NPN 20288594 Licensed 2022

Ayers Layman

Life Including Variable Annuity & Health

NPN 22204128 Licensed 2026

Barbara Favreau Sartiano

Life Including Variable Annuity & Health

NPN 17048635 Licensed 2013

Bradford Sean Dillion

Life Including Variable Annuity & Health

NPN 1099219 Licensed 2024

Brand Lawton Shank

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

NPN 462268 Licensed 1976

Brittany Kistler

Life Including Variable Annuity & Health

NPN 20488210 Licensed 2022

Bryce Matthew Iannello

Life Including Variable Annuity & Health

NPN 19645901 Licensed 2020

Caden R Coletti

Life Including Variable Annuity & Health

NPN 22185415 Licensed 2026

Claire Loehwing

Life Including Variable Annuity & Health

NPN 10371881 Licensed 2012

Conor Fitzgerald Mercurio

Life Including Variable Annuity & Health

NPN 20418785 Licensed 2022

Cristina Susana Diaz

Life Including Variable Annuity & Health

NPN 21048637 Licensed 2024

David Weyland Howell

Life Including Variable Annuity & Health

NPN 571322 Licensed 2004

Davidson Scott Williams

Life Including Variable Annuity & Health

NPN 22188624 Licensed 2026

Ernest T Giambra

Life Including Variable Annuity & Health

NPN 247132 Licensed 2015

Frank Paul Lavalla

Life Including Variable Annuity & Health

NPN 459440 Licensed 1992

Gabrielle Holcombe Chaplin

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

NPN 17844006 Licensed 2019

Jack Wesley Sonnenberg

Life Including Variable Annuity & Health

NPN 574989 Licensed 1972

James Rayburn Harper

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

NPN 367280 Licensed 1975

Joanna Leigh Lynch

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

NPN 247865 Licensed 2003

Joseph C Douglas

Life Including Variable Annuity & Health

NPN 20888466 Licensed 2023

Karen Ann Mason

Life Including Variable Annuity & Health

NPN 3624643 Licensed 2014

Kenneth Anthony Dayton

Life Including Variable Annuity & Health

NPN 443171 Licensed 1992

Kenneth I. Roberts

Life Including Variable Annuity & Health

NPN 11598901 Licensed 2008

Kent C Lynch

Life Including Variable Annuity & Health

NPN 242595 Licensed 1999

View all 44 licensed hospital indemnity producers in Belleair →

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

Official Belleair Resources

County Pinellas County

Population ~4,295

Lack of insurance (18–64) 14.8%

FIPS code 1205075

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 Belleair rates. Start your quote request below.

FL OIR .GOV Pinellas County Gov Portal .GOV

Photos by Captain Caveman , Joesep Prout , Joe Lopano , Martha Wade via Google Maps

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Belleair

Belleair, FL 33756, USA

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

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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

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

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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.

👨‍👩‍👧

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 Belleair

More Insurance Options in Belleair, 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 Belleair, FL

Belleair, FL — Your Local Producer

Licensed Hospital Indemnity Producers in Belleair

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official Belleair 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 Belleair, 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 Belleair Resources