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.
Let Us Shop Your Coverage with 30 Highly-Rated Companies
PREFER TO SPEAK WITH OYER AGENT TO DISCUSS OPTIONS?
- Pris N.
It's great to find an insurance agency that actually cares! Our agent, Cheryl, not only seeks the best insurance... read more
- michael m.
We have used the services of Oyer, Macoviak for the past 18 years (through hurricanes and other Florida weather related... read moreSharon B.
The personal service is very appreciated. Extremely knowledgeable about the Insurance Business and everyone we have interacted with has been... read more
- Scuzzymuzzle F.
As a first time home owner; they were accommodating to our needs and able to find us a policy that... read more
- Elisa W.
Oyer, Macoviak and Associates have always gone the extra mile to provide me with the right coverage for my needs... read moreMarie B.
If you are looking for an agent that is going to take care of you and your family by making... 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
- Bill B.
The whole crew at O,M & Assoc. are great! Very responsive to our needs and lots of helpful ideas so... read moreNancie G.
Oyer, Macoviak and Associates is a family operated full service insurance company that handles insurance with much expertise and they... read more
- Brenda R.
Very efficient & friendly staff. Got all my insurance policies thru them. They did all the researching & found... read moresandra l.
They are the best! I’ve suffered with Geico,
And Einsurance. Horrid experience with both. A friend recommended her broker to me,... 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 moreA G.
We are extremely happy with Oyer, Macoviak and Associates. We are with them for many years and switched... read moreBonnie S.
We are extremely happy with Oyer, Macoviak and Associates. We are with them for many years and switched... read more
- Nelson C.
I reshop my home insurance every 3 years. 2 years, I received a very competitive quote from Oyer. ... read moremichael g.
Started our relationship by a long distance phone call for home owners coverage. always available to answer questions. So impressed... read moreSimone R.
We are very pleased with Oyer, Macoviak and Associates.
They gave us excellent pricing, excellent service and excellent customer service... read more
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.
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.