June Marcia Williams

Your Insurance Agent in Lake Alfred, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Lake Alfred, FL...

National Producer No.

17209549

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Hospital Indemnity Insurance in Lake Alfred, FL

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

Hospital indemnity insurance for Lake Alfred, 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 · Lake Alfred, FL

Lake Alfred, FL — Your Local Producer

Hello, Lake Alfred! As a licensed insurance producer right here in Florida, I'm dedicated to serving my neighbors throughout Polk County. In a community known for its beautiful Chain of Lakes, I believe your financial planning should be just as clear and secure. I specialize in helping individuals and families understand their options for life insurance, final expense plans, and supplemental health policies. My goal is to provide personalized, one-on-one guidance to help you protect what matters most. I'm here to be your local resource. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Mackay Gardens and Lakeside Preserve
Lake Alfred Public Library
Gardner Park

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Lake Alfred

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

Adrian Acosta-Martinez

Life Including Variable Annuity & Health

NPN 18328203 Licensed 2017

Alejandra Cortez-Ovando

Life Including Variable Annuity & Health

NPN 21546764 Licensed 2025

Alexander Jared Riggins

Life Including Variable Annuity & Health

NPN 8850642 Licensed 2013

Alexander Lucena

Life Including Variable Annuity & Health

NPN 20830729 Licensed 2023

Amy Robinson

Life Including Variable Annuity & Health

NPN 21610960 Licensed 2025

Andres Alfonso Rojas Rosas

Life Including Variable Annuity & Health

NPN 21707459 Licensed 2025

Anthony Giuffrida

Life Including Variable Annuity & Health

NPN 18060963 Licensed 2016

Ashley Rai

Life Including Variable Annuity & Health

NPN 20205215 Licensed 2022

Balmen Ovalles Garcia

Life Including Variable Annuity & Health

NPN 20578747 Licensed 2023

Blake Schwartz

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

NPN 16624783 Licensed 2017

Bobby Bair

Life Including Variable Annuity & Health

NPN 19635465 Licensed 2020

Brian Vo Nguyen

Life Including Variable Annuity & Health

NPN 19765160 Licensed 2021

Claudia A Valdesromero

Life Including Variable Annuity & Health

NPN 21708314 Licensed 2025

Darice Nanette Centeno

Life Including Variable Annuity & Health

NPN 19449586 Licensed 2020

David Alejandro Castro

Life Including Variable Annuity & Health

NPN 19410940 Licensed 2020

David Earl Olson

Life Including Variable Annuity & Health

NPN 20203883 Licensed 2022

Dawn Jennifer Lyons

Life Including Variable Annuity & Health

NPN 16580787 Licensed 2012

Denise Denisha Salmon

Life Including Variable Annuity & Health

NPN 17044616 Licensed 2021

Derek Charles Mcgowen

Life Including Variable Annuity & Health

NPN 11736908 Licensed 2020

Derek Chase Cone

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

NPN 19354171 Licensed 2019

Donna Jalene Fiore

Life Including Variable Annuity & Health

NPN 21355945 Licensed 2024

Drew Myrten Owens

Life Including Variable Annuity & Health

NPN 21730377 Licensed 2025

Edward A Arbuthnot

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

NPN 1027972 Licensed 2000

Elena E Castro

Life Including Variable Annuity & Health

NPN 20619112 Licensed 2023

View all 71 licensed hospital indemnity producers in Lake Alfred →

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 Lake Alfred regional market. Rates are localized using regional health baselines.

Official Lake Alfred Resources

County Polk County

Population ~6,555

Lack of insurance (18–64) 16.7%

FIPS code 1237525

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 Lake Alfred rates. Start your quote request below.

FL OIR .GOV Polk County Gov Portal .GOV

3.7 3 reviews

Photos by Kelly Kelnhofer , Juan Zayas , Kelly Kelnhofer via Google Maps

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Lake Alfred City Hall

Open now · Mon 8:00 AM – 4:30 PM

(863) 291-5270

mylakealfred.com

120 E Pomelo St, Lake Alfred, FL 33850, USA

Recent Reviews

Kyle Murawski ★☆☆☆☆

"Speed traps in this town beware!"

Michael ★★★★★

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

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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

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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

🏨

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 Lake Alfred

More Insurance Options in Lake Alfred, 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 Lake Alfred, FL

Lake Alfred, FL — Your Local Producer

Licensed Hospital Indemnity Producers in Lake Alfred

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official Lake Alfred 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 Lake Alfred, 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 Lake Alfred Resources