June Marcia Williams

Your Insurance Agent in Miramar Beach, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Miramar Beach, FL...

National Producer No.

17209549

Verify ↗

Hospital Indemnity Insurance in Miramar Beach, FL

Cover deductibles, copays, and lost wages during hospitalization.

Hospital indemnity insurance for Miramar 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 · Miramar Beach, FL

Miramar Beach, FL — Your Local Producer

Living here in Miramar Beach, with the stunning Emerald Coast at our doorstep, we appreciate the importance of enjoying today while planning for tomorrow. As a fellow member of the Walton County community, I understand our unique coastal lifestyle and the financial questions that come with it. My name is June Marcia Williams, and as a licensed insurance producer (NPN: 17209549), I help individuals and families navigate their options for life, final expense, and supplemental health insurance. I'm here to provide clear, personalized guidance for your peace of mind. (Florida License No: W840529)

Silver Sands Premium Outlets
Miramar Beach Regional Access
Scenic Gulf Drive

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Miramar Beach

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

Addison Michelle Boucher Williams

Life Including Variable Annuity & Health

NPN 22099446 Licensed 2026

Amber Lynn Moses

Life Including Variable Annuity & Health

NPN 20735538 Licensed 2023

Andrew B Bonjean

Life Including Variable Annuity & Health

NPN 3639483 Licensed 2000

Araya Rieck

Life Including Variable Annuity & Health

NPN 17986414 Licensed 2023

Ava R Karian

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

NPN 21375347 Licensed 2024

Brandon Lloyd Bouchereau

Life Including Variable Annuity & Health

NPN 8518318 Licensed 2023

Brian Charles Lamonica

Life Including Variable Annuity & Health

NPN 20559029 Licensed 2022

Brittney Frazier

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

NPN 12729849 Licensed 2012

Cayce D Ervie

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

NPN 17772994 Licensed 2024

Charles Hinson Musgrove

Life Including Variable Annuity & Health

NPN 18624520 Licensed 2017

Christine Smith

Life Including Variable Annuity & Health

NPN 19507370 Licensed 2020

Christopher H Poate

Life Including Variable Annuity & Health

NPN 3515797 Licensed 2000

Claiborne Barksdale Morton

Life Including Variable Annuity & Health

NPN 637048 Licensed 2001

Cody Herrin

Life Including Variable Annuity & Health

NPN 21486712 Licensed 2025

Damon Mark Patterson

Life Including Variable Annuity & Health

NPN 1672540 Licensed 2025

Daniel Brian Howard

Life Including Variable Annuity & Health

NPN 22205558 Licensed 2026

Deadria Lynn Perry

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

NPN 6400036 Licensed 2023

Debra L. Gillham

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

NPN 6788218 Licensed 2014

Dennis K Wenrick

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

NPN 8914502 Licensed 2006

Diana Lim

Life Including Variable Annuity & Health

NPN 20813246 Licensed 2023

Dustin Terry

Life Including Variable Annuity & Health

NPN 13452030 Licensed 2009

Eduardo Valbuena

Life Including Variable Annuity & Health

NPN 21299754 Licensed 2024

Edward Dale Shupe

Life Including Variable Annuity & Health

NPN 6751237 Licensed 2008

Edward Dennis

Life Including Variable Annuity & Health

NPN 17555260 Licensed 2015

View all 65 licensed hospital indemnity producers in Miramar 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 Miramar Beach regional market. Rates are localized using regional health baselines.

Official Miramar Beach Resources

County Walton County

Population ~9,115

Lack of insurance (18–64) 7.3%

FIPS code 1246000

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 Miramar Beach rates. Start your quote request below.

FL OIR .GOV Walton County Gov Portal .GOV

Photos by Owen Washington , Joey M , John , Dmytryi Chepel` via Google Maps

View on Google Maps

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

✅

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

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.

💲

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.

📊

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.

💊

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.

👨‍👩‍👧

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.

⚖️

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 Miramar Beach

More Insurance Options in Miramar 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.

📋

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+.

🏥

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.

🩺

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

Talk to a real person. Today.

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.

Licensed in 5 states NPN verified No obligation

📅 Schedule a Call 💬 Get Your Quote

Hospital Indemnity Insurance in Miramar Beach, FL

Miramar Beach, FL — Your Local Producer

Licensed Hospital Indemnity Producers in Miramar Beach

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official Miramar 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 Miramar 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?

Also Serving Walton County

The Argyle Legacy Plan

DeFuniak Spring Life Protection

The DeFuniak Springs Legacy Plan

The Freeport Legacy Plan

Paxton Life Protection

The Ponce DeLeon Legacy Plan

The Santa Rosa Beach Legacy Plan

Allentown Financial Security

Avalon Life Protection

East Milton Financial Security

Gulf Breeze Coverage Guide

Jay Coverage Guide

The Milton Legacy Plan

Navarre Financial Security

Pace Coverage Guide

The Tiger Point Legacy Plan

Woodlawn Beach Life Protection

The Baker Legacy Plan

The Cinco Bayou Legacy Plan

The Crestview Legacy Plan

Destin Coverage Guide

Fort Walton Beach Financial Security

Hurlburt Field Coverage Guide

Laurel Hill Financial Security

The Mary Esther Legacy Plan

Niceville Financial Security

Valparaiso Coverage Guide

Talk to a real person. Today.

Hospital Indemnity Insurance Underwriting Scope

Official Miramar Beach Resources