June Marcia Williams

Your Insurance Agent in Palm Harbor, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Palm Harbor, FL...

National Producer No.

17209549

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Hospital Indemnity Insurance in Palm Harbor, FL

Cover deductibles, copays, and lost wages during hospitalization.

Hospital indemnity insurance for Palm Harbor, 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 · Palm Harbor, FL

Palm Harbor, FL — Your Local Producer

Hello Palm Harbor! I love the unique character of our Pinellas County communities, and I'm proud to serve my neighbors here. My name is June Marcia Williams, and I'm a licensed insurance producer (NPN: 17209549, Florida License No: W840529) dedicated to helping local families find the right protection. Navigating insurance can be complex, so I focus on providing clear, personal guidance on options like Term Life, Whole Life, Final Expense, and other policies. My goal is to help you understand your choices and secure a plan that brings you peace of mind.

Wall Springs Park
U.S. Highway 19 N
Palm Harbor University High School

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Palm Harbor

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

Aaliyah Tati Tejada

Life Including Variable Annuity & Health

NPN 20792169 Licensed 2023

Aaron Hunter

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

NPN 20592178 Licensed 2023

Aaron James Kunkel

Life Including Variable Annuity & Health

NPN 19685916 Licensed 2020

Abigail Grace Frye

Life Including Variable Annuity & Health

NPN 20978381 Licensed 2023

Adam D Laroche

Life Including Variable Annuity & Health

NPN 21062771 Licensed 2024

Adam Michael Abelson

Life Including Variable Annuity & Health

NPN 18233303 Licensed 2016

Adam P Kulig

Life Including Variable Annuity & Health

NPN 7326062 Licensed 2014

Adolphe Demesyeux

Life Including Variable Annuity & Health

NPN 19483142 Licensed 2026

Adrien Steiger

Life Including Variable Annuity & Health

NPN 22161325 Licensed 2026

Ahiskell J Delgado

Life Including Variable Annuity & Health

NPN 17567186 Licensed 2015

Alan A Everton

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

NPN 501926 Licensed 1980

Alan R Edwards

Life Including Variable Annuity & Health

NPN 16601848 Licensed 2012

Aleah Arbuthnot

Life Including Variable Annuity & Health

NPN 20991346 Licensed 2023

Aleece Jean Quiroz

Life Including Variable Annuity & Health

NPN 19983648 Licensed 2021

Aleka H Oswald

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

NPN 17113820 Licensed 2025

Alex Muscati

Life Including Variable Annuity & Health

NPN 621721 Licensed 1994

Alexander Garoff

Life Including Variable Annuity & Health

NPN 6622372 Licensed 2019

Alexandra Marie Love

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

NPN 20491361 Licensed 2023

Alfred Lawrence Costanzo

Life Including Variable Annuity & Health

NPN 19041168 Licensed 2019

Alison Lucero

Life Including Variable Annuity & Health

NPN 20401205 Licensed 2022

Allen Michael Zaragoza

Life Including Variable Annuity & Health

NPN 20827944 Licensed 2023

Allison E Turner

Life Including Variable Annuity & Health

NPN 1590756 Licensed 1998

Allison Leigh Fox

Life Including Variable Annuity & Health

NPN 21010895 Licensed 2023

Alvin Xavier Pinero

Life Including Variable Annuity & Health

NPN 22085505 Licensed 2025

View all 806 licensed hospital indemnity producers in Palm Harbor →

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 Palm Harbor regional market. Rates are localized using regional health baselines.

Official Palm Harbor Resources

County Pinellas County

Population ~61,589

Lack of insurance (18–64) 9.1%

FIPS code 1254350

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 Palm Harbor rates. Start your quote request below.

FL OIR .GOV Pinellas County Gov Portal .GOV

Photos by Mary Fran Warthen , Mindolluin via Google Maps

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Palm Harbor

Palm Harbor, FL, 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

⚡ 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

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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

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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

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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 Palm Harbor

More Insurance Options in Palm Harbor, 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

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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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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.

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Hospital Indemnity Insurance in Palm Harbor, FL

Palm Harbor, FL — Your Local Producer

Licensed Hospital Indemnity Producers in Palm Harbor

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official Palm Harbor 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 Palm Harbor, 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 Palm Harbor Resources