June Marcia Williams

Your Insurance Agent in St. Pete Beach, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing St. Pete Beach, FL...

National Producer No.

17209549

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Hospital Indemnity Insurance in St. Pete Beach, FL

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

Hospital indemnity insurance for St. Pete 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 · St. Pete Beach, FL

St. Pete Beach, FL — Your Local Producer

Hello, St. Pete Beach! Living in our beautiful corner of Pinellas County, with its stunning sunsets and coastal charm, is a unique privilege. It's a lifestyle worth protecting for the future. I'm June Marcia Williams, your local licensed insurance producer, and I'm dedicated to helping my neighbors navigate their personal insurance options. From Term Life and Final Expense to Critical Illness and Accident policies, I can help you understand the coverage that fits your life here by the Gulf. Let's work together to secure peace of mind for you and your loved ones. (NPN: 17209549, Florida License No: W840529)

The Don CeSar
Pass-a-Grille Beach
St. Pete Beach City Hall

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in St. Pete Beach

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

Albert W Zimmerman

Life Including Variable Annuity & Health

NPN 3604907 Licensed 2023

Andrew Ide

Life Including Variable Annuity & Health

NPN 20717450 Licensed 2023

Braeden Eubanks

Life Including Variable Annuity & Health

NPN 21149837 Licensed 2025

Cher Raulerson

Life Including Variable Annuity & Health

NPN 10986729 Licensed 2008

Ciara Danielle Lee

Life Including Variable Annuity & Health

NPN 19944194 Licensed 2021

Clayton Douglas Valentine

Life Including Variable Annuity & Health

NPN 16753501 Licensed 2020

Corey James

Life Including Variable Annuity & Health

NPN 6076788 Licensed 2008

Daniel M Fittro

Life Including Variable Annuity & Health

NPN 4647610 Licensed 2001

Debie Monte

Life Including Variable Annuity & Health

NPN 9448815 Licensed 2014

Dzevad Dobraca

Life Including Variable Annuity & Health

NPN 19304337 Licensed 2019

Edward James Lee

Life Including Variable Annuity & Health

NPN 19857809 Licensed 2021

Felicia Ann Hackbarth

Life Including Variable Annuity & Health

NPN 20546170 Licensed 2022

Gunnar Drake Bowling

Life Including Variable Annuity & Health

NPN 20592668 Licensed 2023

Jacob Aspen Wright

Life Including Variable Annuity & Health

NPN 3684441 Licensed 2015

Jake Travis Gabay

Life Including Variable Annuity & Health

NPN 20857887 Licensed 2023

Janelle Gabay

Life Including Variable Annuity & Health

NPN 21092231 Licensed 2024

Jason Travis Gabay

Life Including Variable Annuity & Health

NPN 20985833 Licensed 2023

Jennifer Ann Chastain

Life Including Variable Annuity & Health

NPN 21247011 Licensed 2024

Jillian Tanda

Life Including Variable Annuity & Health

NPN 21404985 Licensed 2024

Jody Eliza Powell

Life Including Variable Annuity & Health

NPN 6621725 Licensed 2001

John Edward Farren

Life Including Variable Annuity & Health

NPN 611677 Licensed 2016

John Edward Kavaliauskas

Life Including Variable Annuity & Health

NPN 20974897 Licensed 2023

Jordan M Yanow

Life Including Variable Annuity & Health

NPN 18215645 Licensed 2016

Joseph Matthew Lehman

Life Including Variable Annuity & Health

NPN 454582 Licensed 1995

View all 45 licensed hospital indemnity producers in St. Pete 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 St. Pete Beach regional market. Rates are localized using regional health baselines.

Official St. Pete Beach Resources

County Pinellas County

Population ~8,905

Lack of insurance (18–64) 6.6%

FIPS code 1262885

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 St. Pete Beach rates. Start your quote request below.

FL OIR .GOV Pinellas County Gov Portal .GOV

3.7 18 reviews

Photos by St. Pete Beach City Hall , ABahá'í PointGroup , Lisa B via Google Maps

View on Google Maps

St. Pete Beach City Hall

Open now · Mon 8:00 AM – 4:30 PM

(727) 367-2735

stpetebeach.org

155 Corey Ave, St Pete Beach, FL 33706, USA

Recent Reviews

Lisa B ★★★★★

"What a beautiful beach! Loved the Dunes tent and chair service! Just a wonderful relaxing day on the beach!😍😎☀️🏖🏄🏼‍♀️🐠🦀🦞"

Jennifer ★☆☆☆☆

"I received a $90 parking ticket on a Sunday in Pass-A-Grille after being parked for only one hour. There were tons of sign saying you needed some kind of permit on the main drag, but where I parked, t…"

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

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.

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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 St. Pete Beach

More Insurance Options in St. Pete 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.

🏥

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 St. Pete Beach, FL

St. Pete Beach, FL — Your Local Producer

Licensed Hospital Indemnity Producers in St. Pete Beach

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official St. Pete 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 St. Pete 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 St. Pete Beach Resources