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
- Emily G.
Excellent insurance agent.
John a.Excellent Customer Service!!! Treat you like family and very knowledgeable on many different types of coverage. Big shout out to... read moreExcellent Customer Service!!! Treat you like family and very knowledgeable on many different types of coverage. Big shout out to the Lama Lady! YOU ROCK!!!!... as does the rest of the staff. read less
murray h.While I never had a claim with them, anytime I had a question or concern they were always there for... read moreWhile I never had a claim with them, anytime I had a question or concern they were always there for me, unlike my previous outfit. read less
- Emily G.
Excellent insurance agent.
Bill B.The whole crew at O,M & Assoc. are great! Very responsive to our needs and lots of helpful ideas so... read moreThe whole crew at O,M & Assoc. are great! Very responsive to our needs and lots of helpful ideas so we can improve our insurance and lower our premiums. Super to work with. read less
Elaine M.They are very professional and understand what our needs are for insurance. Can always reach someone via phone which... read moreThey are very professional and understand what our needs are for insurance. Can always reach someone via phone which is a plus. It is so convenient having their office right in town. They are also knowledgeable about other state rules and regulations which helps people that split their time in Florida and elsewhere during the year. read less
- Sanford L.
They are very efficient they follow through when needed. Highly recommend their service.
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
Creative M.The most efficient & knowledgeable ins. people I know! Give them a try!Family owned & operated right in Boynton too!
- Roberta M.
We were the victim of a small auto accident about the same time as our auto, homeowner and other policies... read moreWe were the victim of a small auto accident about the same time as our auto, homeowner and other policies were renewing. Our prior agent was difficult to reach, and unable to find the time to guide, or help us. Searching for a new agent, we contacted Oyer, Macoviak and Associates because of their length of time in business, detailed website, extensive book of available products, and for us, a convenient office location. Each staff member has been professional, knowledgeable and efficient whether on the phone, or in-person. When we met, Oyer’s staff offered suggestions to improve the quality, and reduce our risk tolerance, in the policies at little to no cost! Needless to say we were impressed and transferred our policies! read less
Mitchell S.Provided quick quote at reasonable price. Great follow up
Robert S.Like other reviewers, I have gone through several insurance agencies in hope of finding a responsive one. After I wasted... read moreLike other reviewers, I have gone through several insurance agencies in hope of finding a responsive one. After I wasted several hours unsuccessfully trying to reach someone at my latest failure, I decided it was time for another change and I called Oyer, Macoviak and Associates. Carlos Duarte answered the phone and was immediately helpful, answering my questions and emailing a quote to me within minutes.. As I was happy with my carrier I asked if he could "take over" my policies. He quickly sent the paperwork, via Docusign, and we got started. Carlos and/or Christian Macoviak updated me in detail every few days until the policies were transferred to them. I am happy to be working with people that stay in touch, follow up, and don't have to shuffle me from department to department to get an answer or a quote. I recommend them highly. read less
- Robert H.
Very nice people, very helpful and courteous, have several carriers to choose from, they know based on your needs the... read moreVery nice people, very helpful and courteous, have several carriers to choose from, they know based on your needs the best policy for you. read less
Richard P.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
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 less - A G.
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
Deborah G.
Dedication to clients. Oyer, Macoviak always provides timely answers to questions and they find the best insurance rates!
Jack F.
Oyer, Macoviak and Associated has been our insurance agent in excess of ten years. They are always helpful in... read moreOyer, Macoviak and Associated has been our insurance agent in excess of ten years. They are always helpful in finding the best rates for auto and homeowners insurance to meet our needs. Whenever we have a question they are prompt in getting back to us. I highly recommend them for all your insurance needs. read less
- Penny M.
Rob Macoviak saved me not only money but from another firm that took me for granted and when my condo... read moreRob Macoviak saved me not only money but from another firm that took me for granted and when my condo was hit by a hurricane
it was a referral to Rob and the team at Oyer Macoviak that not only helped me thru the long and painful process of trying to be compensated for my losses but won my Trust, Condo and Auto business going forward.
The agent at the previous firm was of no help when
at my most vulnerable.
Rob was extremely patient in explaining the policy I had at that time and so much more. I was never one to recommend anyone but
2 years later I am happy to
recommend Oyer Macoviak. read lessBobby 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
terri d.great customer service, informative and helps find the right insurance at a good price
- 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 lessBrenda R.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
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
- 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
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 lessStephen B.i call on this company for customer service reasons for their own clients,
- 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
Lynda O.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
Tashia G.Exceptional service from quote to binding. Cheryl Macoviak is a competent professional who went above and beyond to take... read moreExceptional service from quote to binding. Cheryl Macoviak is a competent professional who went above and beyond to take care of my insurance needs at the last minute. read less
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.
