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Oyer, Macoviak and Associates Insurance
Phone 561-732-9305service@oyerinsurance.com
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Oyer, Macoviak and Associates Insurance

Since 1953

Health Insurance

Since 1953 we have helped thousands of clients to save money on health insurance while we do all the work. Let us shop your policy with over “30” rated companies.



4.8 Stars - Based on 1017 Reviews
get A Quote
or Call (561) 732-9305

Testimonials

Why People are Choosing us

  • Rita Drinkwater Avatar
    Rita D.
    - Google
    Oyer, Macoviak and Associates are knowledgeable, helpful, and willing to spend as much time as necessary to answer questions. ... read moreOyer, Macoviak and Associates are knowledgeable, helpful, and willing to spend as much time as necessary to answer questions. I have the utmost confidence with their service and always will. Fantastic company to use. read less
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    Ron Darna Avatar
    Ron D.
    - Facebook
    We appreciate that Oyer Macoviak & Associates have our interest in mind by recommending additional coverages to enhance our HO policy
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    Steven Mackler Avatar
    Steven M.
    - Google
    Always have provided top quality help with finding the best value in home insurance each year at renewal and expiration... read moreAlways have provided top quality help with finding the best value in home insurance each year at renewal and expiration time. Knowledgeable staff from the bottom up. read less
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  • HERB GELLER Avatar
    HERB G.
    - Google
    Nice people to deal with and fast, efficient service. H
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    Deborah Guller Avatar
    Deborah G.
    positive review 
    - Facebook
    Dedication to clients. Oyer, Macoviak always provides timely answers to questions and they find the best insurance rates!
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    Glenn Neadley Avatar
    Glenn N.
    - Google
    Cost Effective and Professional.
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  • Ted Spiegel Avatar
    Ted S.
    - Google
    I found this agency to be efficient and its service to be excellent. Two days ago I bought a new... read moreI found this agency to be efficient and its service to be excellent. Two days ago I bought a new car after only being with the agency for less than two weeks. The auto transaction was at the end of the work day and the insurance credentials were prepared and electronically transferred in less than five minutes. read less
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    Carmela Jacobitti Avatar
    Carmela J.
    - Google
    I searched frantically for days to get home insurance-even my previous agency made it difficult! Your agency is local and... read moreI searched frantically for days to get home insurance-even my previous agency made it difficult! Your agency is local and made it easy and efficient! Thank you read less
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    Brenda Russo Avatar
    Brenda R.
    - Facebook
    Very efficient & friendly staff. Got all my insurance policies thru them. They did all the researching & found... read moreVery efficient & friendly staff. Got all my insurance policies thru them. They did all the researching & found me the best prices. read less
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  • stanley walker Avatar
    stanley w.
    - Google
    Oyer, Macoviak has been handling all my insurance needs for several years and I have impressed with their ability to... read moreOyer, Macoviak has been handling all my insurance needs for several years and I have impressed with their ability to respond to various circumstances with companies raising rates or not writing policies anymore. In each instance, they have found me a suitable alternative and have provided me with all the necessary information I need to make the necessary decisions. read less
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    Jerry Lang Avatar
    Jerry L.
    positive review 
    - Facebook
    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
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    Avi Fuchs Avatar
    Avi F.
    - Facebook
    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
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  • Jeannie Morea Avatar
    Jeannie M.
    - Google
    I have been a client with Oyer, Macoviak and Associates for a good number of years. Their customer service is... read moreI have been a client with Oyer, Macoviak and Associates for a good number of years. Their customer service is excellent and they work hard to find the best insurance at the best price. read less
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    Chino Mourlot Avatar
    Chino M.
    - Facebook
    If need insurance call them, they are professional, sincere in helping their clients and potential clients, or email
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    John Duckworth Avatar
    John D.
    - Google
    I’ve used Oyer Ins for many years now They have given me the best rates available for both personal and... read moreI’ve used Oyer Ins for many years now They have given me the best rates available for both personal and business insurance on my vehicles Bridget does an outstanding job answering the many questions I’ve had Their customer/client services are impeccable Thanks Oyer read less
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  • Richard Price Avatar
    Richard P.
    - Google
    They are always there when you need them and they follow up in timely manner. They are always pleasant... read moreThey are always there when you need them and they follow up in timely manner. They are always pleasant to deal with. read less
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    Michael Schwartz Avatar
    Michael S.
    - Google
    Pleasant staff, good rates
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    Tamara Kruzel Avatar
    Tamara K.
    - Google
    I am so happy to be able to work with a local insurance agency. Oyer, Mackoviak and Associates have... read moreI am so happy to be able to work with a local insurance agency. Oyer, Mackoviak and Associates have been so helpful when insuring a condo for the first time. I would highly recommend them! read less
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  • Gerald Harrington Avatar
    Gerald H.
    - Google
    Excellent people do everything right wouldn’t go anywhere else
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    Dan Winters Sr Avatar
    Dan W.
    - Facebook
    Hard working very fair professional insurance people .They always go out of the way to provide you with great advice... read moreHard working very fair professional insurance people .They always go out of the way to provide you with great advice and very competitive. Return calls quickly read less
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    Lori Tarpinian Avatar
    Lori T.
    - Google
    Ugh, insurance in Florida so complicated and pricey. That said, I have had an excellent experience with Oyer, Macoviak in... read moreUgh, insurance in Florida so complicated and pricey. That said, I have had an excellent experience with Oyer, Macoviak in Biynton Beach. Willing to work with you, explain and provide options. read less
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  • Linda Mead Avatar
    Linda M.
    - Facebook
    Highly recommend “Oyer”!!! They are all knowledgeable and efficient. AND there’s a bonus - they answer their phones and... read moreHighly recommend “Oyer”!!! They are all knowledgeable and efficient. AND there’s a bonus - they answer their phones and return phone calls immediately. read less
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    Murray Hyman Avatar
    Murray H.
    - Facebook
    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
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    Hendricks Else Avatar
    Hendricks E.
    - Facebook
    I am a customer for many years with Oyer and Macoviak. I always received excellent information, service and customer service... read moreI am a customer for many years with Oyer and Macoviak. I always received excellent information, service and customer service from the entire staff.
    Marie W. is my agent for many years and explains all my insurance needs and the best pricing. Marie always goes the extra mile!
    read less
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  • Lynda Offenkrantz Avatar
    Lynda O.
    - Facebook
    Oyer, Macoviak and Associates is a professional insurance firm that I highly recommend. They are knowledgeable, courteous and qualified to... read moreOyer, Macoviak and Associates is a professional insurance firm that I highly recommend. They are knowledgeable, courteous and qualified to meet the individual needs of their clients. read less
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    Peter Armour Avatar
    Peter A.
    - Google
    They have always been responsive to questions and offer alternatives when required to ensure best possible coverage.
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    Paul Weber Avatar
    Paul W.
    - Google
    I met with Cheryl Macoviak to obtain a new home insurance policy. Cheryl listened to my concerns and was... read moreI met with Cheryl Macoviak to obtain a new home insurance policy. Cheryl listened to my concerns and was able to get me the coverage I was looking for as the best price possible. I definitely recommend Oyer, Macoviak and Associates for anyone looking for home insurance. read less
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  • Dorean Levenberg Avatar
    Dorean L.
    - Google
    I am so pleased to have found Cheryl Macoviak as my insurance agent. I did spend time investigating other agents... read moreI am so pleased to have found Cheryl Macoviak as my insurance agent. I did spend time investigating other agents and I am thrilled with my choice. One of the major reasons I signed with Cheryl is that she ALWAYS responded back to me quickly and with the information I needed very quickly. I am looking forward to a long beneficial relationship! read less
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    Una Galligan Avatar
    Una G.
    - Facebook
    I want to let every know that this company is the most wonderful company to do business with
    I got...
    read moreI want to let every know that this company is the most wonderful company to do business with
    I got my insurence from them 2012
    We found the staff friendly professional and all so helpful
    We had some very horrifcie experence with other insurance company in Boynton Beach. I am very glad I was recommended to Oyer, Macoviak and Associates
    Martin and Una Galligan
    read less
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    Bob Fisher Avatar
    Bob F.
    - Google
    Oyer Macoviak has provided great customer service and always available to answer any questions.
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about our company

Health Coverage for More than 60 Years

If you’re looking for a health insurance plan that will save you money and hassle, look no further than Oyer, Macoviak and Associates.

We’ve been helping people since 1953, and we know how to find the best possible policy for your needs. We’ll do all the work for you, shopping your policy with over 30 different companies.

And because we’re independent, we can offer you unbiased advice to help you choose the right plan.

So why wait? Contact us today or get an online quote and let us help you find the perfect health insurance plan.

Get A Quote
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How Much Is Health Insurance Per Month In Florida
Health Insurance

How Much Is Health Insurance Per Month In Florida?

Robert Macoviak 10/18/202210/18/2022 Reading Time: 5 minutes

The average cost of health insurance in Florida is $393 per month, or $4,716 per year. However, this is just the average cost. Your actual premium will depend on several factors, including your age, gender, location, and whether you smoke. For example, a 40-year-old nonsmoker in Jacksonville would pay an average of $369 per month…

Read More How Much Is Health Insurance Per Month In Florida?Continue

How Much Does Health Insurance Cost in Florida
Health Insurance

How Much Does Health Insurance Cost in Florida?

Robert Macoviak 10/04/202204/04/2023 Reading Time: 5 minutes

Health insurance is a vital part of life. It’s there for us when we need it the most and helps us to stay healthy and protected. But how much does this important service cost? In this blog post, we’ll explore the average cost of health insurance in Florida so that you can be prepared. According…

Read More How Much Does Health Insurance Cost in Florida?Continue

How to Pick the Best Medicare Supplement Plan in Florida
Health Insurance

How to Pick the Best Medicare Supplement Plan in Florida

Robert Macoviak 05/06/202205/05/2022 Reading Time: 5 minutes

If you’re nearing retirement age, it’s time to start thinking about Medicare. Medicare is a government-run health insurance program that provides coverage for seniors and people with disabilities. There are several different Medicare plans available in Florida, and it can be tricky to figure out which one is right for you. This article will provide…

Read More How to Pick the Best Medicare Supplement Plan in FloridaContinue


main REASONs TO CHOOSE US

Why Oyer, Macoviak and Associates?

Choice Oyer, Macoviak and Associates

Choice

We have access to multiple companies with a range of products.

Easy-Oyer-Macoviak-and-Associates

Easy

We can easily switch you from company to company without hassle.

Unbiased-Oyer-Macoviak-and-Associates

Unbiased

We are unbiased and objective, you know you have the right plan for you.

Happy Family Playing with Child

69+

Years in Business

Let Us shop your policy with over 30 “A” rated companies.

Family Happy Beach

our experience

Save Up to 30% on Health Insurance

If you’re looking for an easy and hassle-free way to save money on your health insurance, look no further than Oyer, Macoviak and Associates. We’ve been doing this for over 60 years, and in that time, we’ve helped thousands of clients save money while we do all the work.

We’ll shop your policy with over 30 rated companies to get you the best possible rate.

So why wait? Contact us today or get an online quote and let us start saving you money!


quality insurance coverages

We’re Providing Quality
Insurance Coverages

Clients
Policies
Years

FAQ health insurance

Why Do Business with us?

When it comes to health insurance, Oyer, Macoviak and Associates is a name you can trust. Since 1953, we have been helping clients save money on their health insurance while we do all the work.

We are proud to be able to shop your policy with over 30 rated companies. This allows us to find the best possible coverage for you and your family at the most affordable rate.

Get A Quote

Health insurance is a type of financial protection that helps pay for medical care. People can buy health insurance from private companies, government agencies or non-profit organizations. All states require health coverage for certain professions (e.g., doctors and hospitals), individuals with specific medical conditions, and children up to age 18 enrolled in school.

A single policy can cover one individual or many members of a family, including grandparents. A plan may also include coverage for prescription drugs, dental care and mental health services. It can be sold by an insurance company or administered by government agencies, non-profit organizations, or employers.

When people are healthy and have no significant medical history — a condition known as “good health” — the monthly premiums they pay are small. But if a person gets sick or hurt, their coverage may help them pay for important medical care.

Health insurance plans can be divided into four categories: HMO, PPO, POS and fee-for-service (FFS).

HMOs are health maintenance organizations. They are usually part of a network for the delivery of care. The network is overseen by a management company or coordinated care organization that oversees treatment and gives advice to doctors who are in the plan’s network. They have restrictions on how much you can be reimbursed when you get services outside their provider network. In addition, HMOs require you to get most of your care from the network providers. You must select a primary care doctor who oversees all your care and makes referrals to specialists for you if needed.

HMOs require that members use doctors, specialists, or hospitals in the plan’s network whenever possible. Deductibles, co-insurance, and other types of cost sharing can be lower for plans with networks. If you want to go out-of-network, you must pay higher co-pays and sometimes the full cost of care.

Some HMOs do not require a primary care physician or allow members to see non-network providers without a referral. These types of health maintenance organizations are also known as “point of service” or “open access.” PPOs are preferred provider organizations. They are networks like HMOs, but there’s more flexibility with how much members pay when they use out-of-network providers. With a PPO plan, you can go to doctors and hospitals outside the network without prior permission from your insurance company if you pay more when you’re out of the plan’s network. Your insurance company may allow you to get your prescriptions filled at a mail-order pharmacy instead of a local drugstore.

You can use any provider who accepts the terms of your PPO plan, but they have less restrictive networks than HMOs and usually have higher co-pays when you use out-of-network providers.

PPOs can be a lower-cost option than HMOs, particularly if they have tiered formularies and high deductibles. A “formulary” is the list of prescription drugs a PPO plan will pay for. Some PPO plans offer lower co-pays for generic drugs that are on their formulary and higher co-pays if you use a brand name drug that’s not on the list. PPOs have high deductibles, which means members must pay the cost of most medical care up to a certain dollar amount before any help is provided by the insurance company.

PROs are preferred retailer organizations. They work like a PPO, but you must choose a primary care doctor who coordinates your care. You can go out-of-network without prior approval by paying more and using providers that accept the PRO’s terms and conditions. Fee-for-service plans (FFS) are insurance policies where members choose their own doctors, hospitals, and other providers. The insurance company pays a negotiated fee to the provider for each medical service received. These plans have low monthly premiums because they don’t include coverage for routine care such as checkups; instead, members pay a co-pay or deductible when they receive covered services.

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The number one reason to have health insurance is because it can help you pay for medical care when you get sick or hurt. Most people don’t realize that even if they’re healthy, they could still face extremely high medical bills after a car accident; a fall from a ladder; an unexpected pregnancy and childbirth; or treatment for illnesses such as cancer and heart disease.

You can look at your benefits statement or contact your human resources (HR) department to find out whether you have health insurance through your job. Your HR department can also tell you if you are eligible for a federal subsidy through the Health Insurance Marketplace, and it will provide your eligibility information to your state’s Marketplace so that you can get a plan with financial assistance if it is available to you.

Indemnity plans give you a fixed amount of money that you can use to pay for your health care bills. If you use up the money, the insurer will not pay any further expenses related to your care from that point forward. Managed care plans keep track of how much members use their benefits per year and provide coverage through specific networks of doctors and hospitals. This section describes these two types of health insurance policies in more detail:

Indemnity Plans. Indemnity plans, also known as fee-for-service plans, pay benefits directly to you and your provider for covered services based on the negotiated rate between you and any provider you choose to treat with. The advantage is that members can use any provider who accepts the terms of their indemnity plan. They may get a better deal by going out-of-network with an out-of-state provider because many insurance companies have a set fee schedule for out-of-state providers that is less than what they pay in-state doctors and hospitals.

Indemnity plans are usually offered on an FFS (fee-for-service) basis. Members pay whatever co-pays or deductibles they owe for covered services and file claims with the insurance company to get reimbursed for any amounts owed after they’ve spent their annual out-of-pocket limit for covered expenses. These plans typically don’t cover routine services such as checkups and preventive care, except if the doctor deems it medically necessary.


Since 1953

Need Insurance Coverage?

Call Us Today

561-732-9305

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About Us:
Oyer, Macoviak and Associates
1903 South Congress Ave Ste 350
Boynton Beach, FL 33426
Phone: 561-732-9305
Toll Free: 800-397-8780
Fax: 561-364-9848
Email: info@oyerinsurance.com

Office Hours:
Monday to Friday 8:30 AM to 5:00 PM

We offer a live after-hours claim service, which makes sure that you are always taken care of. You can also go online and view, make changes or report a new claim with our client portal.

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