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.

Let Us Shop Your Coverage with 30 Highly-Rated Companies

Proudly Represent Oyer, Macoviak and Associate

PREFER TO SPEAK WITH OYER AGENT TO DISCUSS OPTIONS?

(561) 732-9305

  • A G.

    Very helpful and friendly staff! They make you feel like you're more than just another customer. Greatly recommend when... read more

    michael g.

    Started our relationship by a long distance phone call for home owners coverage. always available to answer questions. So impressed... read more

    Len P.

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

  • Helaine H.
    positive review 

    They are always looking for the best rates and they are very helpful in making desisions. Always avaible to speak... read more

    Mike V.

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

    Barbara N.

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

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    Oyer, Macoviak and Associates have been so great to me. Very professional and always helpful.

    William P.

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

    Kenneth T.
    positive review 

    Excellent excellent customer service. Very nice agents

  • Barbara N.

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

    Michael D.

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

    Emily G.

    Excellent insurance agent.

  • William P.

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

    Barbara R.

    Friendly and prompt service. Replied to all inquires!

    Simone R.

    We are very pleased with Oyer, Macoviak and Associates.
    They gave us excellent pricing, excellent service and excellent customer service...
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  • Joe T.

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

    Roger H.

    Nice locally owned business - competitive rates too!

    Mike V.

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

  • Jerry L.
    positive review 

    They are always willing to take time with me with whatever question I may have. They will get me... read more

    Mike V.

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

    Chino M.

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

  • Beverly K.

    I have been a client for many years. The staff is pleasant and efficient. They always find the best companies... read more

    Judith W.

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

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    I spoke to Bobby and he was so helpful and responsive in a matter of minutes. I would really... read more

  • John a.

    Excellent Customer Service!!! Treat you like family and very knowledgeable on many different types of coverage. Big shout out to... read more

    Sharon G.

    They are the best. Been with them many years for my personal and business policies. I also recommend them to... read more

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    We were the victim of a small auto accident about the same time as our auto, homeowner and other policies... read more

  • Tashia G.

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

    Dan W.

    Hard working very fair professional insurance people .They always go out of the way to provide you with great advice... read more

Ready for the Next Step-Here's How it Works

Step 1

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

Step 2

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

Step 3

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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