June Marcia Williams
Your Insurance Agent in Middle River, MD
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Middle River, MD...
Get approved for Hospital Indemnity Insurance in Middle River — even with pre-existing conditions. Simplified underwriting available.
See how much you'd receive — real benefits from Washington National (H4)
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.
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.
Health insurance covers hospital bills. Hospital indemnity covers everything health insurance doesn't — your deductible ($1,763 average in MD), copays, out-of-network charges, transportation, childcare, and lost wages. The average hospital stay in MD is 5.2 days. Even with health insurance, out-of-pocket costs average $1,200-$3,500 per stay.
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.
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.
Washington National hospital indemnity policies (H4) are guaranteed renewable with level premiums. MD requires a 10-day free look period. Issue ages 18-85. Guaranteed issue available for qualified worksites. Simplified issue for individuals requires health questions. Medicaid may reduce benefits — Medicare supplement disclosure required for 65+.
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Visit nipr.com →.COMJune Marcia Williams is a licensed independent agent who helps Middle River families find the right hospital indemnity insurance coverage. Free consultation, no obligation.
Rates vary by age, health, and coverage amount. June compares multiple carriers to find you the best rate. No-exam options available for faster approval.
Many products offer no-exam or simplified issue options. June matches you with the right carrier based on your health profile and coverage needs.
12 years experience, licensed in NJ, PA, FL, MD, and VA. Independent agent — not tied to one carrier. NPN 17209549, verifiable through NIPR.
Call (908) 339-7723, text June, or fill out the quote form above. Free consultation, no pressure. June serves Middle River and all of Baltimore County.
Get a personalized quote in minutes. No obligation. No pressure. Just answers.