Since 1953

Health Insurance

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

4.9 Stars - Based on 1093 Reviews
Testimonials

Why People are Choosing us

  • Robert S. Avatar
    Robert S.
    - Google

    Like other reviewers, I have gone through several insurance agencies in hope of finding a responsive one. After I wasted... read more

    Joseph A. Avatar
    Joseph A.
    - Google

    This is a fine insurance agency. Rob and others are very responsive to our needs. I recommend it highly.

    Marie B. Avatar
    Marie B.
    - Facebook

    If you are looking for an agent that is going to take care of you and your family by making... read more

  • Sharon G. Avatar
    Sharon G.
    - Facebook

    They are the best. Been with them many years for my personal and business policies. I also recommend them to... read more

    Wane K. Avatar
    Wane K.
    - Google

    When I contacted them they responded quickly and were very helpful. Competitive pricing. Easy to work with.

    Mike V. Avatar
    Mike V.
    - Google

    Professional courteous helpful and responsive service with knowledgeable staff who take the time to listen and care about your needs.

  • sandra l. Avatar
    sandra l.
    - Google

    They are the best! I’ve suffered with Geico,
    And Einsurance. Horrid experience with both. A friend recommended her broker to me,...     read more

    Elaine M. Avatar
    Elaine M.
    - Google

    They are very professional and understand what our needs are for insurance. Can always reach someone via phone which... read more

    Charles E. Avatar
    Charles E.
    - Google

    Very knowledge and quick to resolve any questions you may have !

  • ellen f. Avatar
    ellen f.
    - Google

    I was shopping for a new insurance policy and was highly recommended to them by several people. Ryan was both... read more

    Michael D. Avatar
    Michael D.
    - Google

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

    michael g. Avatar
    michael g.
    - Google

    Started our relationship by a long distance phone call for home owners coverage. always available to answer questions. So impressed... read more

  • William P. Avatar
    William P.
    - Google

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

    Mitchell S. Avatar
    Mitchell S.
    - Google

    Provided quick quote at reasonable price. Great follow up

    Pamela K. Avatar
    Pamela K.
    - Google

    Bobby, my Account Executive is friendly, caring and has proven he is capable of caring for my insurance needs. We... read more

  • Chelsea E. Avatar
    Chelsea E.
    - Google

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

    Kim F. Avatar
    Kim F.
    - Facebook

    I have been a cliënt of Oyer, Macoviak since 2013. Their office is within about a mile and their office... read more

    Robert H. Avatar
    Robert H.
    - Google

    Very nice people, very helpful and courteous, have several carriers to choose from, they know based on your needs the... read more

  • Amy F. Avatar
    Amy F.
    - Facebook

    I as well as my family members have been using Oyer Insurance for decades. Everyone in the office is... read more

    WENDY H. Avatar
    WENDY H.
    - Google

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

    Ray M. Avatar
    Ray M.
    - Google

    Recently purchased a condo in Delray Beach and spoke with a rep at Oyer, Macoviak and Associates who designed a... read more

  • Lynda B. Avatar
    Lynda B.
    - Google

    Whenever I contact the office someone responds right away. They check to get the best prices and coverage. I have... read more

    A G. Avatar
    A G.
    - Google

    Very helpful and friendly staff! They make you feel like you're more than just another customer. Greatly recommend when... read more

    Ray W. Avatar
    Ray W.
    - Google

    Friendly people, prompt replies. Would highly recommend.

  • Deanna C. Avatar
    Deanna C.
    - Google

    Rob and Cheryl are truly great people! They are kind, considerate and professional. They both made me feel significant throughout... read more

    Patty T. Avatar
    Patty T.
    - Google

    In today's crazy market you have to find a company that really cares and wants to help you. I... read more

    OPA W. Avatar
    OPA W.
    - Google

    Hi there, this is FTP Tax Solutions / OPA World Realty - Oyer, Macoviak, and Associates are fair, honest, and... read more

  • Frank D. Avatar
    Frank D.
    - Google

    Let me say that the Macoviak team consistently go above and beyond to find me the best Ins. policy possible.... read more

    Wayne M. Avatar
    Wayne M.
    - Google

    Knowledgeable and very easy to deal with. Would highly recommend them.

    Mark P. Avatar
    Mark P.
    - Google

    I've been with Oyer, Mac and Associates (OM&A) since 2002 and they've never let me down. Whether the home... read more

about our company

Health Insurance Coverage for More than 60 Years

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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main REASONs TO CHOOSE US

Why Oyer, Macoviak and Associates?

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Choice

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

Make is Easy to switch companies

Easy

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

Unbiased on quotes

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%

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.

At Oyer, Macoviak and Associates we are not captive to one insurance company so we can shop the different insurance companies to give you the best coverage with the best rate.

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FAQ health insurance

Why Do Business with us?

As a local insurance agency (Boynton Beach, Florida) we take the time to cater to our customer’s policies to create the correct policy for them. Our team of agents is dedicated to help you protect you, your loved ones, and your business. Our office can handle any risk in Florida. In addition, our office is a Trusted Choice Insurance Agency (Independent Insurance Agent).

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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

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