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.
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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I have been using Oyer, Macoviak and Associates for 6+ years. They are so professional, courteous, extremely knowledgable and very... read more -
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This company is so fast and friendly to work with. We only had a week and they expedited the paperwork... read more -
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I as well as my family members have been using Oyer Insurance for decades. Everyone in the office is... read more -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.
Highly recommend “Oyer”!!! They are all knowledgeable and efficient. AND there’s a bonus - they answer their phones and... read more -
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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 -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.
Oyer, Macoviak and Associates is a professional insurance firm that I highly recommend. They are knowledgeable, courteous and qualified to... read more -
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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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Oyer, Macoviak and Associated has been our insurance agent in excess of ten years. They are always helpful in... 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 -
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Started our relationship by a long distance phone call for home owners coverage. always available to answer questions. So impressed... read more -Annette C.
I love dealing locally and Oyer, Macoviak and Associates make it a pleasure. They are extremely knowledgeable and professional while... read more -Helaine H.
They are always looking for the best rates and they are very helpful in making desisions. Always avaible to speak... read more -
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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.