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HEALTH INSURANCE
Insurance coverage for your Personal and Business needs...
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.
Overall Satisfaction Rating
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
- Bonnie U.
I have switched agencies twice due to lack of responsiveness. This company is very responsive and their customer communication emails... read moreI have switched agencies twice due to lack of responsiveness. This company is very responsive and their customer communication emails are excellent. I'm glad to finally feel like my business is truly appreciated. read less
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 moreI had a great experience with Oyer, Macoviak and Associates insurance company. From my initial phone call, to signing my new homeowner’s insurance policy, all my questions and concerns were answered very promptly, professionally and clearly. Ryan Paguaga is so knowledgeable, and his patience along with the information he provided helped me make the best decisions for my needs. He took the time to make sure I was comfortable with my choices. I would recommend this company to anyone I know for all their insurance needs! read less
- philip h.
We have always been pleased with the service and help with our insurance policies placed through the company. Dealing with... read moreWe have always been pleased with the service and help with our insurance policies placed through the company. Dealing with local businesses has always been more rewarding than using "on line services". read less
Edie W.If you are in the market for an insurance company I would highly recommend this company. We have been with... read moreIf you are in the market for an insurance company I would highly recommend this company. We have been with them for several years and have been very satisfied with the coverage and the price. Rob Macoviak is our agent and he is great! We have referred some of our friends and they also decided to go with this agency and have been equally pleased. read less
Barbara N.We are very impressed with Oyer, Macoviak and Associates insurance agency. They quickly respond to any questions or concerns... read moreWe are very impressed with Oyer, Macoviak and Associates insurance agency. They quickly respond to any questions or concerns we have. They always look for competitive rates when we are renewing our policies and have a wide variety of insurance policies to fit our family's needs. All of the employees we have had dealings with over the years have been courteous and well-informed. read less
- Nelson C.
I reshop my home insurance every 3 years. 2 years, I received a very competitive quote from Oyer. ... read moreI reshop my home insurance every 3 years. 2 years, I received a very competitive quote from Oyer. After talking with the agent & discussing various coverages & their importance, I was able to reduce my policy payment even more. Whenever I have a question, they are available to help. I've been very pleased with their service. read less
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 moreSo professional from the person answering the phone to the agent that helped us with our auto policy. Marie was always quick to respond and answered all our questions. Plus we saved money. Looking forward to moving our homeowners insurance to them also. read less
- Bobby J.
very professional rob, cheryl, and all the associates really care about there customers! i have never had a insurance... read morevery professional rob, cheryl, and all the associates really care about there customers! i have never had a insurance agency like this ,, give them a call read less
Janet K.
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 moreStarted our relationship by a long distance phone call for home owners coverage. always available to answer questions. So impressed by the professionalism shown, yet friendly communication, that multiple automobile coverage was added. As a three year client, I highly recommend Oyer, Macoviak and Associates. read less
Melody L.Everything about our experience with Oyer, Macoviak & Associates was great! Great customer service and prompt response to any... read moreEverything about our experience with Oyer, Macoviak & Associates was great! Great customer service and prompt response to any questions!We would recommend this company to everyone! read less
Amy F.I as well as my family members have been using Oyer Insurance for decades. Everyone in the office is... read moreI as well as my family members have been using Oyer Insurance for decades. Everyone in the office is on the ball and responsive if any issues arise. Would highly recommend them and have referred several people to them over the years. read less
- Aden R.
Oyer and macoviak were a breath of fresh air after all the bad experiences I had trying to get... read moreOyer and macoviak were a breath of fresh air after all the bad experiences I had trying to get insurance for my business. either the prices were way too high or they couldn't get coverage for my LP gas business at all. I had one company get shut down while they had my deposit.
Thank God I tried Oyer and macoviak... They were prompt and proffesional...and got me a great rate. everything went smoothly I got insurance at a great price with great service.
5 stars. read lessJoe T.Have used Oyer for years for my business insurance. Always have received top notch service. They answer the phone and... read moreHave used Oyer for years for my business insurance. Always have received top notch service. They answer the phone and communicate well. Highly recommend. read less
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 moreOyer, Macoviak & Associates is a great insurance company.They do their best to find the right insurance for us.We have home & car insurance with them.We would recommend them to everyone.Mrs. William Peterson - Boynton Beach read less
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 moreWe are extremely happy with Oyer, Macoviak and Associates. We are with them for many years and switched ALL our insurance needs over to them. We have recommended them to quite a few people and each and everyone thanked us for the introduction. They have the BEST staff. Everyone is so friendly, knowledgeable and helpful. They take good care of us. read less
Kim F.I have been a cliënt of Oyer, Macoviak since 2013. Their office is within about a mile and their office... read moreI have been a cliënt of Oyer, Macoviak since 2013. Their office is within about a mile and their office is well suited. In addition year over year they add a modest fee which is standard. The staff is also very courteous and the clientele is also patient. The staff listens as to clients with regard to questions, the cost, and the terms or a better a deal.
All around, it appears to me Oyer, Macoviak and there clientele and customers are terrific. I look forward to working for Oyer, Macoviak and will see you next year.
Victoria Kim Flaville read lessChelsea E.Oyer, Macoviak and Associates have been so great to me. Very professional and always helpful.
- Just m.
Very helpful and friendly staff! They make you feel like you're more than just another customer. Greatly recommend when... read moreVery helpful and friendly staff! They make you feel like you're more than just another customer. Greatly recommend when in search for insurance!Visit Oyer, Macoviak and Associates! You will be highly pleased and satisfied with their service! read less
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 moreI have been a client for many years. The staff is pleasant and efficient. They always find the best companies with the lowest premiums. I highly recommend using them for all your insurance needs read less
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.
