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

  • Dan W.

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

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    First year with them. But pleased so far in how i have been treated and charged.

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

  • A G.

    Best in business with fast and friendly service. I strongly recommend Oyer, Macoviak and Associates for all your insurance needs.

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

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    I have been a cliënt of Oyer, Macoviak since 2013. Their office is within about a mile and their office... read more

  • Mike V.

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

    Becky C.
    positive review 

    The most friendly and helpful insurance company ever! They're happy to help with any request.

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    If you are in the market for an insurance company I would highly recommend this company. We have been with... read more

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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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    You offer excellent customer service and are proactive in terms of getting competitive quotes for our coverage, which has helped... read more

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    Oyer, Macoviak & Associates is a great insurance company.
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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

  • 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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    Great local agency - excellent service! Sophia went above & beyond!
    Leslie Knowles on behalf of Paula Marsh

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    They are always there when you need them and they follow up in timely manner. They are always pleasant... read more

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    positive review 

    When I call they are always pleasant & very helpful.

    Creative M.

    The most efficient & knowledgeable ins. people I know! Give them a try!Family owned & operated right in Boynton too!

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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

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    positive review 

    They are always there to help

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

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    Excellent insurance agent.

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    Best insurance company ever. Always there for you.

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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.

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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