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.

custom logoOverall Satisfaction RatingOverall Satisfaction Rating
4.8 Stars - Based on 976 Reviews
facebook logogoogle logoyelp logo

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

  • Bonnie U.

    I have switched agencies twice due to lack of responsiveness. This company is very responsive and their customer communication emails... read more

    Darryl B.

    Professional, good quality service, and responsive to all questions,

    Lynne H.

    I had a great experience with Oyer, Macoviak and Associates insurance company. From my initial phone call, to signing my... read more

  • philip h.

    We have always been pleased with the service and help with our insurance policies placed through the company. Dealing with... read more

    Edie W.

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

    Barbara N.

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

  • Nelson C.

    I reshop my home insurance every 3 years. 2 years, I received a very competitive quote from Oyer. ... read more

    Sandra B.

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

    Rebecca H.

    So professional from the person answering the phone to the agent that helped us with our auto policy. Marie was... read more

  • Bobby J.

    very professional rob, cheryl, and all the associates really care about there customers! i have never had a insurance... read more

    Janet K.
    positive review 

    When I call they are always pleasant & very helpful.

    Michael D.

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

  • michael g.

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

    Melody L.

    Everything about our experience with Oyer, Macoviak & Associates was great! Great customer service and prompt response to any... read more

    Amy F.

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

  • Aden R.

    Oyer and macoviak were a breath of fresh air after all the bad experiences I had trying to get... read more

    Joe T.

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

    Terry K.

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

  • 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

    Ron D.

    We appreciate that Oyer Macoviak & Associates have our interest in mind by recommending additional coverages to enhance our HO policy

    Roger H.

    Nice locally owned business - competitive rates too!

  • Bonnie S.

    We are extremely happy with Oyer, Macoviak and Associates. We are with them for many years and switched... read more

    Kim F.

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

    Chelsea E.

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

  • Marianne C.

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

    Just m.

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

    Don T.

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

  • Michael D.

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

    Beverly K.

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

    Richard P.

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

HEALTH INSURANCE COMPANIES WE PROUDLY REPRESENT