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

Proudly Represent Oyer, Macoviak and Associate

PREFER TO SPEAK WITH OYER AGENT TO DISCUSS OPTIONS?

(561) 732-9305

  • 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 more

    murray h.

    While I never had a claim with them, anytime I had a question or concern they were always there for... read more

  • 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 more

    Elaine M.

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

  • 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 more

    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 more

    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 more

  • Robert H.

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

    Richard P.

    They are always there when you need them and they follow up in timely manner. They are always pleasant... read more

    Kim F.

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

  • A G.

    We are extremely happy with Oyer, Macoviak and Associates. We are with them for many years and switched... read more

    Deborah G.
    positive review 

    Dedication to clients. Oyer, Macoviak always provides timely answers to questions and they find the best insurance rates!

    Jack F.
    positive review 

    Oyer, Macoviak and Associated has been our insurance agent in excess of ten years. They are always helpful in... read more

  • Penny M.

    Rob Macoviak saved me not only money but from another firm that took me for granted and when my condo... read more

    Bobby J.

    very professional rob, cheryl, and all the associates really care about there customers! i have never had a insurance... read more

    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 more

    Brenda R.

    Very efficient & friendly staff. Got all my insurance policies thru them. They did all the researching & found... read more

    michael g.

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

  • michael m.

    We have used the services of Oyer, Macoviak for the past 18 years (through hurricanes and other Florida weather related... read more

    Cindy N.

    Cheryl's response time was impeccable. She provided more than one option for insurance and provide options to reduce the... read more

    Stephen 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 more

    Lynda O.

    Oyer, Macoviak and Associates is a professional insurance firm that I highly recommend. They are knowledgeable, courteous and qualified to... read more

    Tashia G.

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