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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 1089 Reviews
get A Quote
or Call (561) 732-9305

Testimonials

Why People are Choosing us

  • Becky Castor Avatar
    Becky C.
    positive review 
    - Facebook
    The most friendly and helpful insurance company ever! They're happy to help with any request.
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    Kyle Cohen Avatar
    Kyle C.
    - Google
    My realtor suggested that I call Oyer, Macoviak and Associates for a homeowners' insurance quote. The agent who took... read moreMy realtor suggested that I call Oyer, Macoviak and Associates for a homeowners' insurance quote. The agent who took my call, Bobby Yonta, asked all the necessary questions about the property and me and returned a quote very quickly. He followed up with me as my closing date got extended and closed the deal with the lowest price of all the quotes I reached out for. I'm happy to be one of Oyer, Macoviak's new customers and suggest that anyone who wants great, professional and friendly service call them! read less
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    Kathleen Grzych Avatar
    Kathleen G.
    - Google
    We needed auto insurance quickly and the staff was very helpful, explained our choices and got us what we needed... read moreWe needed auto insurance quickly and the staff was very helpful, explained our choices and got us what we needed to purchase a car. We are part time residents and required additional information. Thank you Oyer, Macoviak! read less
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  • Penny Marker Neidorf Avatar
    Penny M.
    - Facebook
    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 less
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    Thomas Sbordone Avatar
    Thomas S.
    - Google
    I have contacted several agencies to insure my new condo in Florida and received exorbitant quotes. Being somewhat disgruntled,... read moreI have contacted several agencies to insure my new condo in Florida and received exorbitant quotes. Being somewhat disgruntled, I called Oyer, Macoviak and Associates as a last resort. The service provided was professional and the quote was very reasonable. In fact, they insured my condo that same day. I have no hesitation in recommending Oyer, Macoviak and Associates for all insurance needs. Tom Sbordone East Hampton, NY read less
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    Stuart M Sims Avatar
    Stuart M.
    - Facebook
    They are on top of all my insurance needs. they advise me when premiums are due, when to change to... read moreThey are on top of all my insurance needs. they advise me when premiums are due, when to change to another insurance company due to one with a better rate or when a company is downgraded. I would highly recommend them read less
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  • Patty Guttman Wolbe Avatar
    Patty G.
    - Facebook
    I have gotten wonderful service from Macoviak and Associates. They are informed and have always gotten back to me immediately.... read moreI have gotten wonderful service from Macoviak and Associates. They are informed and have always gotten back to me immediately. They also found me the best prices. For these reasons, I recommend them and will continue doing business with this company. read less
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    Barbara Rubin Byer Avatar
    Barbara R.
    - Facebook
    Friendly and prompt service. Replied to all inquires!
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    Myra Elmore Avatar
    Myra E.
    - Google
    Very efficient and helpful. Saved me money.
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  • Bill Bowser Avatar
    Bill B.
    - Facebook
    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
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    Lois Parker Avatar
    Lois P.
    - Google
    All is good
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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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  • Bob Fisher Avatar
    Bob F.
    - Google
    Oyer Macoviak has provided great customer service and always available to answer any questions.
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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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    Marianne Caldarone Avatar
    Marianne C.
    - Facebook
    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
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  • Sandra Bogitch Avatar
    Sandra B.
    - Facebook
    Excellent company to deal with. Personal service is A+. They return phone calls and will answer questions with knowledge and explanations.
    Facebook Logo
    Steven Rothenberg Avatar
    Steven R.
    - Google
    Excellent attention to detail and follow up with Oyer Macoviak.
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    Leslie Knowles Avatar
    Leslie K.
    - Facebook
    Great local agency - excellent service! Sophia went above & beyond!
    Leslie Knowles on behalf of Paula Marsh
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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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    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!
    Facebook Logo
    Simone Rezende Avatar
    Simone R.
    - Facebook
    We are very pleased with Oyer, Macoviak and Associates.
    They gave us excellent pricing, excellent service and excellent customer service...
    read moreWe are very pleased with Oyer, Macoviak and Associates.
    They gave us excellent pricing, excellent service and excellent customer service (newsletters, prompt and professional replies from the representatives). I would recommend the company to anyone looking for great service and good prices!
    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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    Michael Schwartz Avatar
    Michael S.
    - Google
    Pleasant staff, good rates
    Google Logo
    Ann Messina Avatar
    Ann M.
    - Facebook
    Excellent service and the staff is so accessible and helpful always...
    Thank you to the entire team.....
    Facebook Logo
  • 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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    Stephen Rubin Avatar
    Stephen R.
    - Google
    I have home and flood insurance through Oyer et al. They willingly review my insurance each year, answer questions and... read moreI have home and flood insurance through Oyer et al. They willingly review my insurance each year, answer questions and seek best policies. They are cordial and responsive. read less
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    Shadaey Campbell Avatar
    Shadaey C.
    - Google
    After receiving my bill for my premium with my current company for next year, I had to find a new... read moreAfter receiving my bill for my premium with my current company for next year, I had to find a new company, and I was referred to Oyer, Macoviak and Associates (OMA) and a few other companies. Once I contacted OMA their responsiveness was immediate and thoughtful. Other companies were not able to get me a rate as low as them, and Ryan P. (my agent) was very helpful and thoroughly explained the full process of how things would move forward. Being that I’m a first time homebuyer, this was a real bonus for me! Thank you OMA for your help! read less
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  • HERB GELLER Avatar
    HERB G.
    - Google
    Nice people to deal with and fast, efficient service. H
    Google Logo
    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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    Cindy N Townsend Avatar
    Cindy N.
    - Facebook
    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
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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 10/04/202210/04/2022 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 Health Insurance Options

Choice

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

Easy Health Inrsurance

Easy

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

Unbiased Health Insurance

Unbiased

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

Health Insurance

69+

Years in Business

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


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

Get A Quote

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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