PREFER TO SPEAK WITH OYER AGENT TO DISCUSS OPTIONS? CALL (561) 732-9305

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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PREFER TO SPEAK WITH OYER AGENT TO DISCUSS OPTIONS?

(561) 732-9305

  • terri d.

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

    Terry K.

    Fantastic Rates and Service. We have already been recommending Oyer, Macoviak & Associates to Friends and Business Associates.

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    It's great to find an insurance agency that actually cares! Our agent, Cheryl, not only seeks the best insurance... read more

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    If need insurance call them, they are professional, sincere in helping their clients and potential clients, or email

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    Excellent insurance agent.

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    Had a great experience working with Cheryl. She was very patient working on multiple homeowners quotes and has been extremely... read more

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    We have used the services of Oyer, Macoviak for the past 18 years (through hurricanes and other Florida weather related... read more

    Sharon B.
    positive review 

    The personal service is very appreciated. Extremely knowledgeable about the Insurance Business and everyone we have interacted with has been... read more

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    Had a great experience working with Cheryl. She was very patient working on multiple homeowners quotes and has been extremely... read more

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    As a first time home owner; they were accommodating to our needs and able to find us a policy that... read more

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    Most helpful, most customer friendly, most informative agency imaginable.

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    They have always provided me with quick service that is high quality. I appreciate their attention to my insurance requests.

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    Knowledgeable and very easy to deal with. Would highly recommend them.

    Elisa W.
    positive review 

    Oyer, Macoviak and Associates have always gone the extra mile to provide me with the right coverage for my needs... read more

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    If you are looking for an agent that is going to take care of you and your family by making... read more

  • Michael D.

    Very responsive and does a great job of shopping around for the best homeowner's and car insurance policies.

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

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    Best insurance company ever. Always there for you.

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    The staff is always very helpful and patient!
    We have building insurance and a great referral agent on Medical Insurance.

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

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    They are the best! I’ve suffered with Geico,
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    Professional courteous helpful and responsive service with knowledgeable staff who take the time to listen and care about your needs.

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    We are extremely happy with Oyer, Macoviak and Associates. We are with them for many years and switched... read more

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    I reshop my home insurance every 3 years. 2 years, I received a very competitive quote from Oyer. ... read more

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READY FOR THE NEXT STEP-HERE'S HOW IT WORKS

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.

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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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