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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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(561) 732-9305

  • Sandra B. Avatar
    Sandra B.

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

    Marianne C. Avatar
    Marianne C.

    This company is so fast and friendly to work with. We only had a week and they expedited the paperwork... read more

    Amy F. Avatar
    Amy F.

    I as well as my family members have been using Oyer Insurance for decades. Everyone in the office is... read more

  • Murray H. Avatar
    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. Avatar
    Linda M.

    Highly recommend “Oyer”!!! They are all knowledgeable and efficient. AND there’s a bonus - they answer their phones and... read more

    Tashia G. Avatar
    Tashia G.

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

  • Penny M. Avatar
    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. Avatar
    Lynda O.

    Oyer, Macoviak and Associates is a professional insurance firm that I highly recommend. They are knowledgeable, courteous and qualified to... read more

    Nancie G. Avatar
    Nancie G.

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

  • Mike V. Avatar
    Mike V.

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

    Fernando R. Avatar
    Fernando R.

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

    Terry K. Avatar
    Terry K.

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

  • Louise D. Avatar
    Louise D.

    positive review  They are always there to help

    Kenneth T. Avatar
    Kenneth T.

    positive review  Excellent excellent customer service. Very nice agents

    Jack F. Avatar
    Jack F.

    positive review  Oyer, Macoviak and Associated has been our insurance agent in excess of ten years. They are always helpful in... read more

  • Beverly K. Avatar
    Beverly K.

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

    Janet K. Avatar
    Janet K.

    positive review  When I call they are always pleasant & very helpful.

    Deborah G. Avatar
    Deborah G.

    positive review  Dedication to clients. Oyer, Macoviak always provides timely answers to questions and they find the best insurance rates!

  • michael m. Avatar
    michael m.

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

    michael g. Avatar
    michael g.

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

    Annette C. Avatar
    Annette C.

    positive review  I love dealing locally and Oyer, Macoviak and Associates make it a pleasure. They are extremely knowledgeable and professional while... read more

  • Helaine H. Avatar
    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

    Becky C. Avatar
    Becky C.

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

    Angela C. Avatar
    Angela C.

    I have had nothing but exceptional service from this company. They are friendly and professional, and extremely efficient. I now... read more

  • Beverly K. Avatar
    Beverly K.

    positive review  They find the best companies with the lowest premiums. The staff is very helpful and pleasant. I had a claim... read more

    Elisa W. Avatar
    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

    Sharon B. Avatar
    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

  • Stephen B. Avatar
    Stephen B.

    i call on this company for customer service reasons for their own clients,

    Wayne M. Avatar
    Wayne M.

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

    Len P. Avatar
    Len P.

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

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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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