Health Insurance
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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.

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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.

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

  • Laurie B.

    Oyer, Macoviak is an honest, professional insurance agency. They have always helped me with my insurance needs and return phone... 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

    Tulla K.

    We have used Oyer Macoviak for years for insurance for home and cars. They have the best rates. ... read more

  • Don T.

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

    Simone R.

    We are very pleased with Oyer, Macoviak and Associates.
    They gave us excellent pricing, excellent service and excellent customer service...
    read more

    Penny M.

    Rob Macoviak saved me not only money but from another firm that took me for granted and when my condo... read more

  • Bonnie U.

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

    Angela C.

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

    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

  • Nelson C.

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

    Chelsea E.

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

    Allan C.

    They have always provided me with quick service that is high quality. I appreciate their attention to my insurance requests.

  • Stuart M.

    They are on top of all my insurance needs. they advise me when premiums are due, when to change to... read more

    Mike V.

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

    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

  • A G.

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

    John a.

    Excellent Customer Service!!! Treat you like family and very knowledgeable on many different types of coverage. Big shout out to... read more

    Paula G.

    My husband and I have been using Oyer ad Mcoviak for 26 years. Our experiences have been nothing but the... read more

  • A G.

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

    Fernando R.

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

    Bonnie S.

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

  • Melody L.

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

    Bonnie S.

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

    Kenneth T.
    positive review 

    Excellent excellent customer service. Very nice agents

  • 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

    Darryl B.

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

    Fernando R.

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

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    They are very professional and understand what our needs are for insurance. Can always reach someone via phone which... 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.

    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

Ready for the Next Step-Here's How it Works

Step 1

Need an insurance quote? Just fill out our quote form and we will handle the rest.

Step 2

Let us shop multiple companies so you get the best rate with the best coverages.

Step 3

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