June Marcia Williams

Your Insurance Agent in Palatka, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Palatka, FL...

National Producer No.

17209549

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Hospital Indemnity Insurance in Palatka, FL

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

Hospital indemnity insurance for Palatka, 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 · Palatka, FL

Palatka, FL — Your Local Producer

Hello, Palatka! As a fellow Floridian, I appreciate the unique charm and history that define life here in Putnam County, from the scenic banks of the St. Johns River to our vibrant community spirit. My name is June Marcia Williams, and as a licensed insurance producer, I'm dedicated to helping my neighbors navigate their options for personal insurance. Whether you're considering Term Life, Final Expense, or other policies to protect your family's future, I'm here to provide clear, personalized guidance. Let's work together to find a plan that fits your life. (NPN: 17209549, Florida License No: W840529)

Ravine Gardens State Park
Palatka City Hall
Bronson-Mulholland House

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Palatka

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

Alexander Austin Oleksy

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

NPN 17015614 Licensed 2020

Alfonsia Leonard

Life Including Variable Annuity & Health

NPN 17229700 Licensed 2014

Alicia B White

Life Including Variable Annuity & Health

NPN 1926492 Licensed 2017

Amanda Colette Newbolt

Life Including Variable Annuity & Health

NPN 21587960 Licensed 2025

Amy Biang

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

NPN 18929232 Licensed 2020

Angela Lynn Crowe

Life Including Variable Annuity & Health

NPN 20610114 Licensed 2023

Artanza Mcrae

Life Including Variable Annuity & Health

NPN 19648860 Licensed 2020

Ashley M Johns

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

NPN 20489931 Licensed 2022

Ashley Marie Tillis

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

NPN 10056496 Licensed 2008

Aubrey Irazee-Marie Cash

Life Including Variable Annuity & Health

NPN 21307924 Licensed 2024

Audra Renaye Linton

Life Including Variable Annuity & Health

NPN 1026045 Licensed 2015

Austin Mcmann

Life Including Variable Annuity & Health

NPN 20067795 Licensed 2021

Barbara Griffin Harris

Life Including Variable Annuity & Health

NPN 18560700 Licensed 2017

Barbara Marie Bonaparte

Life Including Variable Annuity & Health

NPN 16974763 Licensed 2013

Barbara Palmer

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

NPN 245241 Licensed 1992

Betty Elizabeth Leonard

Life Including Variable Annuity & Health

NPN 21752461 Licensed 2025

Bobbi Jean Weaver

Life Including Variable Annuity & Health

NPN 460229 Licensed 2017

Branden Jose Arevalo

Life Including Variable Annuity & Health

NPN 18451905 Licensed 2017

Brendon Brock Davis

Life Including Variable Annuity & Health

NPN 21227175 Licensed 2024

Carrie Johnson

Life Including Variable Annuity & Health

NPN 21129481 Licensed 2024

Casey Charmaine Williams

Life Including Variable Annuity & Health

NPN 19315071 Licensed 2019

Charles Benjamin Bates

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

NPN 467490 Licensed 1997

Charles Benjamin Bates

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

NPN 8685893 Licensed 2006

Charles Edward Faulk

Life Including Variable Annuity & Health

NPN 19652170 Licensed 2020

View all 124 licensed hospital indemnity producers in Palatka →

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

Official Palatka Resources

County Putnam County

Population ~10,471

Lack of insurance (18–64) 17.0%

FIPS code 1253875

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 Palatka rates. Start your quote request below.

FL OIR .GOV Putnam County Gov Portal .GOV

3.2 10 reviews

Photos by EtownStickly , Herve Andrieu via Google Maps

View on Google Maps

City of Palatka, City Hall

Open now · Mon 8:30 AM – 5:00 PM

(386) 329-0100

palatka-fl.gov .GOV

201 N 2nd St, Palatka, FL 32177, USA

Recent Reviews

Donovan Silcox ★☆☆☆☆

"Palatka deserves leadership that protects its people, not profits from its past. Mayor Robbi Correa is not a native daughter of Palatka — she’s a Yankee from Rhode Island who moved here in 2007. In l…"

Nick Einmal ★★★★★

"I may be European and was born in Germany, but I have never seen such a beautiful city as this Nice people, good connections, a very beautiful city, I can only recommend it. 👍🏻"

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 Palatka

More Insurance Options in Palatka, 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 Palatka, FL

Palatka, FL — Your Local Producer

Licensed Hospital Indemnity Producers in Palatka

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official Palatka 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 Palatka, 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 Palatka Resources