June Marcia Williams

Your Insurance Agent in Osprey, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Osprey, FL...

National Producer No.

17209549

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Hospital Indemnity Insurance in Osprey, FL

June Williams — supplemental health specialist. HDHP gap coverage.

Hospital indemnity insurance for Osprey, 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 · Osprey, FL

Osprey, FL — Your Local Producer

As a resident of Florida, I appreciate the unique charm of communities like Osprey, where the beauty of Sarasota County is a part of daily life. Protecting your family's future is just as important as enjoying our beautiful surroundings. My name is June Marcia Williams, and I am a licensed insurance producer committed to helping my neighbors navigate their options. I provide personalized guidance on a variety of products, including Term Life, Final Expense, and supplemental plans, to help you find the right fit. Let's work together to build a secure financial foundation. (NPN: 17209549, Florida License No: W840529)

Oscar Scherer State Park
Historic Spanish Point Campus
Blackburn Point Bridge

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Osprey

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

Allison K Rud

Life Including Variable Annuity & Health

NPN 8119774 Licensed 2021

Alvan Kamis

Life Including Variable Annuity & Health

NPN 699694 Licensed 2011

Amy Rachelle Wrightson

Life Including Variable Annuity & Health

NPN 19660570 Licensed 2020

Andrew Longley

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

NPN 20267281 Licensed 2025

Andrew Welch

Life Including Variable Annuity & Health

NPN 11310607 Licensed 2019

Anthony Warren Welch

Life Including Variable Annuity & Health

NPN 571063 Licensed 1991

Blake Gerald Lynn

Life Including Variable Annuity & Health

NPN 7445928 Licensed 2002

Bradley Lynch

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

NPN 18452257 Licensed 2024

Carson Beard

Life Including Variable Annuity & Health

NPN 21626825 Licensed 2025

Christopher Alfano

Life Including Variable Annuity & Health

NPN 21473057 Licensed 2025

David J Labonte

Life Including Variable Annuity & Health

NPN 7049281 Licensed 2023

Dawn Annette Steinert

Life Including Variable Annuity & Health

NPN 16403818 Licensed 2011

Donald David Boucher

Life Including Variable Annuity & Health

NPN 1931174 Licensed 2025

Donald Paracca

Life Including Variable Annuity & Health

NPN 21100041 Licensed 2024

Eric Tyler Hardy

Life Including Variable Annuity & Health

NPN 17617678 Licensed 2021

Fred Herbert Zittel

Life Including Variable Annuity & Health

NPN 536926 Licensed 1981

Gary A Didonna

Life Including Variable Annuity & Health

NPN 3287307 Licensed 2002

Gregory Lawrence Gildner

Life Including Variable Annuity & Health

NPN 328773 Licensed 1997

James Charles Protigal

Life Including Variable Annuity & Health

NPN 389675 Licensed 1991

James P Barrett

Life Including Variable Annuity & Health

NPN 1079733 Licensed 2014

Jessica Lyn Lawman

Life Including Variable Annuity & Health

NPN 9919341 Licensed 2008

John Paul Duncan

Life Including Variable Annuity & Health

NPN 70919 Licensed 2023

Joseph A Giordano

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

NPN 1015203 Licensed 1997

Kenneth C Cornacchione

Life Including Variable Annuity & Health

NPN 1448040 Licensed 2014

View all 54 licensed hospital indemnity producers in Osprey →

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

Official Osprey Resources

County Sarasota County

Population ~6,195

Lack of insurance (18–64) 7.1%

FIPS code 1253425

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 Osprey rates. Start your quote request below.

FL OIR .GOV Sarasota County Gov Portal .GOV

Photos by George Kolcan , Dave Corby via Google Maps

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Osprey

Osprey, 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.

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Phone Number

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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

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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 Osprey

More Insurance Options in Osprey, 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 Osprey, FL

Osprey, FL — Your Local Producer

Licensed Hospital Indemnity Producers in Osprey

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official Osprey 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 Osprey, 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 Osprey Resources