Health Insurance

Let us Shop Your Coverage with 30 "A" Rated Companies.

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.

Health Insurance

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.

Insurance Companies We Represent

  • Peter B.

    They go out of the way to help you

    Murray H.

    They always respond to my questions or requests. I haver never made a claim with them but based on my... read more

    A G.

    It's great to find an insurance agency that actually cares! Our agent, Cheryl, not only seeks the best insurance... read more

  • Danelle D.

    Rob made choosing a health care plan so incredibly easy! He is extremely knowledgable and was able to save me... read more

    Melody L.

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

    Mike V.

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

  • Leslie K.

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

    Avi F.

    This company embodies what true customer service should be. They are professional and knowledgeable about all issues that relate to... read more

    Debbie S.

    My go to Insurance company for all my needs. The staff are wonderful! Very professional and friendly, they even... read more

  • Jerry L.
    positive review 

    They are always willing to take time with me with whatever question I may have. They will get me... read more

    Stephen B.

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

    Scuzzymuzzle F.

    As a first time home owner; they were accommodating to our needs and able to find us a policy that... read more

  • Janet K.
    positive review 

    When I call they are always pleasant & very 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

    Cindy N.

    Cheryl's response time was impeccable. She provided more than one option for insurance and provide options to reduce the... read more

  • Mitchell S.

    Provided quick quote at reasonable price. Great follow up

    philip h.

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

    michael g.

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

  • jacqueline l.

    We just bought our first house and had to get home owners insurance after several calls to other company’s which... 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

    michael m.

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

  • 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

    Mike V.

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

    Nelson C.

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

  • Wayne M.

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

    ellen f.

    I was shopping for a new insurance policy and was highly recommended to them by several people. Ryan was both... read more

    sandra 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

  • Kim M.

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

    Chelsea E.

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

    Terry K.

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

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

At Oyer, Macoviak and Associates we are not captive to one insurance company so we can shop the different insurance companies to give you the best coverage with the best rate.