Health Insurance

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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

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PREFER TO SPEAK WITH OYER AGENT TO DISCUSS OPTIONS?

(561) 732-9305

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

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    Fantastic Rates and Service. We have already been recommending Oyer, Macoviak & Associates to Friends and Business Associates.

    Fernando R.

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

  • 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

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    We appreciate that Oyer Macoviak & Associates have our interest in mind by recommending additional coverages to enhance our HO policy

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    The staff is always very helpful and patient!
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    Hard working very fair professional insurance people .They always go out of the way to provide you with great advice... read more

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    Love the staff! Very friendly and helpful! If you need insurance, stop searching - This is the place to go!

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    Exceptional service from quote to binding. Cheryl Macoviak is a competent professional who went above and beyond to take... read more

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    positive review 

    They are always looking for the best rates and they are very helpful in making desisions. Always avaible to speak... read more

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    We are very impressed with Oyer, Macoviak and Associates insurance agency. They quickly respond to any questions or concerns... read more

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    Very responsive and does a great job of shopping around for the best homeowner's and car insurance policies.

    Roger H.

    Nice locally owned business - competitive rates too!

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    positive review 

    I love dealing locally and Oyer, Macoviak and Associates make it a pleasure. They are extremely knowledgeable and professional while... read more

  • Becky C.
    positive review 

    The most friendly and helpful insurance company ever! They're happy to help with any request.

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    Have used Oyer for years for my business insurance. Always have received top notch service. They answer the phone and... read more

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    Oyer, Macoviak & Associates is a great insurance company.They do their best to find the right insurance for us.We have... read more

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

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

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    I have been using Oyer, Macoviak and Associates for 6+ years. They are so professional, courteous, extremely knowledgable and very... read more

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    I was shopping around for Homeowner’s I surance after having a huge increase imposed by current carrier.. I was pleasantly... read more

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    Friendly and prompt service. Replied to all inquires!

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    We are very impressed with Oyer, Macoviak and Associates insurance agency. They quickly respond to any questions or concerns... 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.

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