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HEALTH INSURANCE

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HEALTH INSURANCE

Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. Oyer, Macoviak and Associates can help you find an affordable healthcare plan that’s right for you. Call 561-732-9305 and talk with one of our friendly agents today to learn more.

What are the major types of health insurance policies in Florida? There are basically three major types of health insurance policies for Florida residents to choose from–consumer-directed, fee for service, and managed care. These health insurance plans help cover your medical, surgical, and hospital expenses. They may even cover dental expenses, mental health services, and prescription drugs, depending on the coverage you choose. Consumer-directed A consumer-directed health plan (a.k.a. “consumer-driven” or “consumer choice”) is a newer type of healthcare plan that’s designed to give you more control.

As part of the plan, you setup a health fund that can be used to cover medical expenses. Fee for Service A fee for service plan is a more traditional healthcare plan. It means you pay a fee to your provider for every healthcare service you receive. The benefit of this type of health insurance plan is that it allows for a lot of flexibility when choosing a physician or healthcare provider.

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Managed Care

Members of managed care health plans generally enjoy more benefits like lower out-of-pocket costs. However, you can only receive treatment from physicians that participate in the managed care network. Typical managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPO), and point-of service (POS) plans.

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  • terri d. Avatar
    terri d.

    great customer service, informative and helps find the right insurance at a good price -

    William P. Avatar
    William P.

    Oyer, Macoviak & Associates is a great insurance company.
    They do their best to find the right insurance for us.
    We have...
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    sandra l. Avatar
    sandra l.

    They are the best! I’ve suffered with Geico,
    And Einsurance. Horrid experience with both. A friend recommended her broker to me,...
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  • Paula P. Avatar
    Paula P.

    I have been very happy with the time and attention that are afforded to me by being insured with... read more -

    Elaine M. Avatar
    Elaine M.

    They are very professional and understand what our needs are for insurance. Can always reach someone via phone which... read more -

    Robert R. Avatar
    Robert R.

    I have had condominium insurance with Oyer, Macoviak since 2003.
    Over this time when I needed their help I have ...
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  • Joe T. Avatar
    Joe T.

    Have used Oyer for years for my business insurance. Always have received top notch service. They answer the phone and... read more -

    Judith W. Avatar
    Judith W.

    Oyer, Macoviak has covered my condo since I bought it in December of 2008. Several years ago my upstairs... read more -

    Elaine M. Avatar
    Elaine M.

    They are very professional and understand what our needs are for insurance. Can always reach someone via phone which... read more -

  • Robert R. Avatar
    Robert R.

    I have had condominium insurance with Oyer, Macoviak since 2003.Over this time when I needed their help I have ... read more -

    murray h. Avatar
    murray h.

    While I never had a claim with them, anytime I had a question or concern they were always there for... read more -

    Joe T. Avatar
    Joe T.

    Have used Oyer for years for my business insurance. Always have received top notch service. They answer the phone and... read more -

  • WENDY H. Avatar
    WENDY H.

    I have been using Oyer, Macoviak and Associates for 6+ years. They are so professional, courteous, extremely knowledgable and very... read more -

    Susan O. Avatar
    Susan O.

    Boynton's oldest insurance agency and representing The Hartford for over 100 years. Located on Ocean Avenue by Hurricane Alley.Such... read more -

    Emily G. Avatar
    Emily G.

    Excellent insurance agent. -

  • WENDY H. Avatar
    WENDY H.

    I have been using Oyer, Macoviak and Associates for 6+ years. They are so professional, courteous, extremely knowledgable and very... read more -

    Emily G. Avatar
    Emily G.

    Excellent insurance agent. -

    Barbara N. Avatar
    Barbara N.

    We are very impressed with Oyer, Macoviak and Associates insurance agency. They quickly respond to any questions or concerns... read more -

  • Barbara N. Avatar
    Barbara N.

    We are very impressed with Oyer, Macoviak and Associates insurance agency. They quickly respond to any questions or concerns... read more -

    Barbara N. Avatar
    Barbara N.

    We are very impressed with Oyer, Macoviak and Associates insurance agency. They quickly respond to any questions or concerns... read more -

    Sandra B. Avatar
    Sandra B.

    Excellent company to deal with. Personal service is A+. They return phone calls and will answer questions with knowledge and explanations. -

  • Marianne C. Avatar
    Marianne C.

    This company is so fast and friendly to work with. We only had a week and they expedited the paperwork... read more -

    Amy F. Avatar
    Amy F.

    I as well as my family members have been using Oyer Insurance for decades. Everyone in the office is... read more -

    Murray H. Avatar
    Murray H.

    They always respond to my questions or requests. I haver never made a claim with them but based on my... read more -

  • Linda M. Avatar
    Linda M.

    Highly recommend “Oyer”!!! They are all knowledgeable and efficient. AND there’s a bonus - they answer their phones and... read more -

    Tashia G. Avatar
    Tashia G.

    Exceptional service from quote to binding. Cheryl Macoviak is a competent professional who went above and beyond to take... read more -

    Penny M. Avatar
    Penny M.

    Rob Macoviak saved me not only money but from another firm that took me for granted and when my condo... read more -

  • Lynda O. Avatar
    Lynda O.

    Oyer, Macoviak and Associates is a professional insurance firm that I highly recommend. They are knowledgeable, courteous and qualified to... read more -

    Nancie G. Avatar
    Nancie G.

    Oyer, Macoviak and Associates is a family operated full service insurance company that handles insurance with much expertise and they... read more -

    Mike V. Avatar
    Mike V.

    Professional courteous helpful and responsive service with knowledgeable staff who take the time to listen and care about your needs. -

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Need an insurance quote? Just fill out our quote form and we will handle the rest.

Let us shop multiple companies so you get the best rate with the best coverages.

After we issue the policy we still handle all the work. Policy changes, claims, applications we handle of it for you.

LET US HANDLE ALL THE WORK WHILE YOU SAVE

Speak with a licensed agent (561) 732-9305

COMMON HEALTH INSURANCE TERMS

When discussing health insurance with a Oyer, Macoviak and Associates agent, it helps to understand some of the common terms you’ll run into. Below you’ll find definitions to some of the most common health insurance terms. Deductible–the amount of money you pay toward medical bills before your insurance coverage begins. Co-pay–a specified amount of money you pay upfront for doctor visits and prescription refills. Coinsurance–the percentage of medical bills you pay after meeting the deductible.

To learn more about health insurance, call Oyer, Macoviak and Associates at 561-732-9305 and talk with one of our agents today. We’re right here in Boynton Beach, Florida, ready to guide you toward a more secure future.

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