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.
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 moreThey always respond to my questions or requests. I haver never made a claim with them but based on my interactions with them I am very satisfied compared to my previous insurance company. read less
A G.It's great to find an insurance agency that actually cares! Our agent, Cheryl, not only seeks the best insurance... read moreIt's great to find an insurance agency that actually cares! Our agent, Cheryl, not only seeks the best insurance at the lowest rate, but also follows up to make sure everything is as expected. We have used her for home, condo and automobile insurance and have recommended her to friends. Oyer Macoviak has consistently met our needs with courtesy, efficiency and caring. read less
- Danelle D.
Rob made choosing a health care plan so incredibly easy! He is extremely knowledgable and was able to save me... read moreRob made choosing a health care plan so incredibly easy! He is extremely knowledgable and was able to save me hundreds of dollars on an amazing plan. I highly recommend him and his team!! 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
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 MarshAvi F.This company embodies what true customer service should be. They are professional and knowledgeable about all issues that relate to... read moreThis company embodies what true customer service should be. They are professional and knowledgeable about all issues that relate to insurance. More importantly, they have a terrific team of agents who are a pleasure to deal with. I have recommended them to several of my clients and they have all had similar experiences. Give them a call, you will not be disappointed! read less
Debbie S.My go to Insurance company for all my needs. The staff are wonderful! Very professional and friendly, they even... read moreMy go to Insurance company for all my needs. The staff are wonderful! Very professional and friendly, they even answer the phone; best Customer Service I've received in a very long time read less
- Jerry L.
They are always willing to take time with me with whatever question I may have. They will get me... read moreThey are always willing to take time with me with whatever question I may have. They will get me the best rates possible. I trust them. read less
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 moreAs a first time home owner; they were accommodating to our needs and able to find us a policy that worked! They were so helpful, caring and really easy to work with. If you have any insurance needs I would most definitely recommend this team. We were working with Bobby specifically and he was such a pleasure, we just loved his vibe and really helped us a lot. Thank you so much and we are so happy we found you! lol :) read less
- Janet K.
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 moreThis company is so fast and friendly to work with. We only had a week and they expedited the paperwork and even printed our paperwork for us. read less
Cindy N.Cheryl's response time was impeccable. She provided more than one option for insurance and provide options to reduce the... read moreCheryl's response time was impeccable. She provided more than one option for insurance and provide options to reduce the premium costs without being asked. Then she also recommended a contractor to provide services that would help reduce premium and then provided the quote extremely quick always checking to make sure I was satisfied and had covered all my bases.
Other providers only gave me the highest priced option and made no mention as to how I could reduce costs. It saved me $1,600 dollars. THANKS CHERYL! read less - 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 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
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
- jacqueline l.
We just bought our first house and had to get home owners insurance after several calls to other company’s which... read moreWe just bought our first house and had to get home owners insurance after several calls to other company’s which we were not comfortable with we were referred to Makoviak by my sister in law.Ryan called us back we told him our needs and he did not disappoint. He was polite, professional,and patient, because we had several questions.He sent an estimate through Email and we called him and he explained everything to us. We had other questions after and he responded quickly with phone calls and emails. Thank you so much for your help.Wishing everyone and their family a safe and happy Holiday and Hapoy New Year. J. Lintz / S.Jenks. 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
michael m.We have used the services of Oyer, Macoviak for the past 18 years (through hurricanes and other Florida weather related... read moreWe have used the services of Oyer, Macoviak for the past 18 years (through hurricanes and other Florida weather related incidents). The staff members have always returned our calls and provided sound advice to proceed with all types of insurance matters. Their search for the best rate upon policy renewals has saved us valuable time and effort. We are very satisfied with their services and recommend this agency. read less
- Beverly K.
They find the best companies with the lowest premiums. The staff is very helpful and pleasant. I had a claim... read moreThey find the best companies with the lowest premiums. The staff is very helpful and pleasant. I had a claim and they took care of it immediately. They are the best read less
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 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
- 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 moreI was shopping for a new insurance policy and was highly recommended to them by several people. Ryan was both professional and knowledgeable. He was able to get us a good policy at fair value. We are very pleased and will certainly reach out to them again as needed read less
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 moreThey are the best! I’ve suffered with Geico,And Einsurance. Horrid experience with both. A friend recommended her broker to me, he has since retired, but all is great now. I go straight to the office or call and everyone is great. Highly recommend. They have been in business for years and are very well known. read less
- Kim M.
You offer excellent customer service and are proactive in terms of getting competitive quotes for our coverage, which has helped... read moreYou offer excellent customer service and are proactive in terms of getting competitive quotes for our coverage, which has helped us save money on our auto insurance. read less
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.
