Skip to content
Oyer, Macoviak and Associates Insurance
Phone 561-732-9305service@oyerinsurance.com
  • AboutExpand
    • About Us
    • Blog
    • Oyer Team
    • Careers
    • Client Portal
    • Mobile App
    • Privacy Policy
    • Refer A Friend
    • Referral Partners
    • Testimonials
  • Business InsuranceExpand
    • Business
    • Business Auto
    • Contractors
    • Cyber Liability
    • EPLI
    • General Liability
    • Product Liability
    • Professional Liability
    • Surety Bonds
    • Workers Compensation
    • All Business Coverages
  • Personal InsuranceExpand
    • Auto and Home Bundle
    • Auto
    • Classic Car
    • Condominium
    • Flood
    • Health
    • Home
    • Life
    • Street Legal Golf Cart
    • Umbrella
    • All Personal Coverages
  • ServiceExpand
    • Log-In
    • Register
    • Claims
    • Companies
    • Mobile App
    • Payments
    • Service Request
    • Schedule Appointment
Get A Quote
Log In
Oyer, Macoviak and Associates Insurance

Since 1953

Medicare Supplement Insurance

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

4.8 Stars - Based on 1003 Reviews
get A Quote
or Call (561) 732-9305

Testimonials

Why People are Choosing us

  • Marie Brauer Williams 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 moreIf you are looking for an agent that is going to take care of you and your family by making sure you are protected then Oyer, Macoviak and Associates is your agency! They do all the work. They are professional and easy to work with. read less
    Facebook Logo
    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
    Facebook Logo
    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
    Google Logo
  • Amy Fisher Husted Avatar
    Amy F.
    - Facebook
    I as well as my family members have been using Oyer Insurance for decades. Everyone in the office is... read moreI as well as my family members have been using Oyer Insurance for decades. Everyone in the office is on the ball and responsive if any issues arise. Would highly recommend them and have referred several people to them over the years. read less
    Facebook Logo
    Steven Rothenberg Avatar
    Steven R.
    - Google
    Excellent attention to detail and follow up with Oyer Macoviak.
    Google Logo
    John Duckworth Avatar
    John D.
    - Google
    I’ve used Oyer Ins for many years now They have given me the best rates available for both personal and... read moreI’ve used Oyer Ins for many years now They have given me the best rates available for both personal and business insurance on my vehicles Bridget does an outstanding job answering the many questions I’ve had Their customer/client services are impeccable Thanks Oyer read less
    Google Logo
  • Lois Parker Avatar
    Lois P.
    - Google
    All is good
    Google Logo
    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
    Facebook Logo
    Aden Reese Avatar
    Aden R.
    - Facebook
    Oyer and macoviak were a breath of fresh air after all the bad experiences I had trying to get... read moreOyer and macoviak were a breath of fresh air after all the bad experiences I had trying to get insurance for my business. either the prices were way too high or they couldn't get coverage for my LP gas business at all. I had one company get shut down while they had my deposit.
    Thank God I tried Oyer and macoviak... They were prompt and proffesional...and got me a great rate. everything went smoothly I got insurance at a great price with great service.
    5 stars.
    read less
    Facebook Logo
  • madeline mcconnell Avatar
    madeline m.
    - Google
    I found this company to very helpful and full of good information. When I went in to sign some papers... read moreI found this company to very helpful and full of good information. When I went in to sign some papers I was even more impressed with the amount of advise and info that was a good personal touch. read less
    Google Logo
    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
    Google Logo
    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
    Google Logo
  • Tim Demosthenes Avatar
    Tim D.
    - Google
    It’s a pleasure working with your staff! Everyone is patient knowledgeable friendly and helpful.
    Google Logo
    David Kowalick Avatar
    David K.
    - Google
    Very professional, courteous staff. Respond promptly to inquiries / questions. Competitive rates.
    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
    Facebook Logo
  • Dan Winters Sr Avatar
    Dan W.
    - Facebook
    Hard working very fair professional insurance people .They always go out of the way to provide you with great advice... read moreHard working very fair professional insurance people .They always go out of the way to provide you with great advice and very competitive. Return calls quickly read less
    Facebook Logo
    Rebecca Holechek Avatar
    Rebecca H.
    - Facebook
    So professional from the person answering the phone to the agent that helped us with our auto policy. Marie was... read moreSo professional from the person answering the phone to the agent that helped us with our auto policy. Marie was always quick to respond and answered all our questions. Plus we saved money. Looking forward to moving our homeowners insurance to them also. read less
    Facebook Logo
    Kim Flaville 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 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
    Facebook Logo
  • Patricia Cali Avatar
    Patricia C.
    - Google
    Customer service was outstanding. Thx Ryan for your efficiency and professionalism. Will do more business with the group in the... read moreCustomer service was outstanding. Thx Ryan for your efficiency and professionalism. Will do more business with the group in the future and would highly recommend them to friends and family. read less
    Google Logo
    Kathryn Skop Avatar
    Kathryn S.
    - Google
    Excellent company! Been with them for years and will continue to do so. Great staff, always calls you back promptly.
    Google Logo
    Angeline Grippe Militello Avatar
    Angeline G.
    - Facebook
    We have been insured by Oyer, Macoviak, and Associates for many, many years. We have had excellent service, and... read moreWe have been insured by Oyer, Macoviak, and Associates for many, many years. We have had excellent service, and feel confident with their coverage in the future. Sam and Angie Militello read less
    Facebook Logo
  • Kenneth Tobin Avatar
    Kenneth T.
    - Google
    GREAT customer service. They are always there to help
    Google Logo
    Glenn Neadley Avatar
    Glenn N.
    - Google
    Cost Effective and Professional.
    Google Logo
    Barbara Ness Avatar
    Barbara N.
    - Google
    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
    Google Logo
  • Igor Cherkassky Avatar
    Igor C.
    - Google
    Thank you for your service.....
    Google Logo
    Sharon Brauer Avatar
    Sharon B.
    positive review 
    - Facebook
    The personal service is very appreciated. Extremely knowledgeable about the Insurance Business and everyone we have interacted with has been... read moreThe personal service is very appreciated. Extremely knowledgeable about the Insurance Business and everyone we have interacted with has been very helpful! read less
    Facebook Logo
    Roberta Bragg Avatar
    Roberta B.
    - Google
    My last insurance broker couldn't find a company for me so they stuck me with Citizens. I called Oyer,... read moreMy last insurance broker couldn't find a company for me so they stuck me with Citizens. I called Oyer, Macoviak, et al. They got me a great deal in a very timely fashion. Moreover they were helpful and well-informed. Obviously, I'm happy to recommend them. If you're not getting the kind of service you should, change your broker! I did and am totally happy. read less
    Google 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
    Facebook Logo
    Brenda Russo Avatar
    Brenda R.
    - Facebook
    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
    Facebook Logo
    Howard Atlas Avatar
    Howard A.
    - Google
    I was referred to Cheryl Macoviak by a friend as I was looking for homeowners insurance for my home in... read moreI was referred to Cheryl Macoviak by a friend as I was looking for homeowners insurance for my home in Boca Raton, Florida. I was impressed with Cheryl's expertise, friendliness, and prompt communication. She was patient and gave practical advice. I would highly recommend the services of this agency without any hesitation. Very positive experience!! read less
    Google Logo

about our company

Medicare Supplement Insurance Coverage for More than 60 Years

Medicare Supplemental Insurance Coverage is known as “Medigap” for short. The reason for this is that it’s designed to provide insurance coverage for the “gap” between what Medicare pays and what the costs of a recipient’s actual services are.

This difference is created by two factors: First, there are some medical services that Medicare doesn’t pay for at all. Second, there are some medical services that Medicare only pays for in part. So, the Medicare beneficiaries that do not carry any type of Medigap coverage are left responsible for the difference between those two amounts themselves.

Get A Quote
Progressive Insurance Company
Hartford Insurance Company
Allstate Insurance Company
Travelers Insurance Company
Safeco Insurance Company
Mercury Insurance Company
Florida Family Insurance Company
Universal Property Insurance Company

main REASONs TO CHOOSE US

Why Oyer, Macoviak and Associates for Medicare Supplement Insurance?

Choice Medicare Supplement Insurance Options

Choice

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

Easy Medicare Supplement Insurance

Easy

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

Unbiased Medicare Supplement Insurance

Unbiased

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

Medicare Supplement

69+

Years in Business

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


our experience

Save Up to 30%

Some people do not take advantage of Medicare Supplement insurance coverage simply because they aren’t eligible to do so. There are certain requirements which must be met. For example, in order to enroll in Medigap coverage, a person must be enrolled in either part A or part B of Medicare.

In addition, there are also some requirements surrounding the timing of one’s enrollment in a Medicare Supplement insurance plan. There are two open enrollment periods: within six months of turning sixty-five and within six months of enrolling in Medicare part B. During those periods, such a person would be able to enroll in a Medigap plan without a medical screening. Any other time, a medical screening would be required.


quality insurance coverages

We’re Providing Quality
Insurance Coverages

Clients
Policies
Years

FAQ Medicare supplement 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).

Get A Quote

Medicare Supplement insurance, often referred to as Medigap insurance, is a private health insurance policy that helps pay some of the costs not covered by Medicare. It can help pay for deductibles and coinsurance when you receive medical care. In addition, with most Medigap policies, you will have part, or all your copayments waived if you receive covered services from a Medicare-participating doctor or other provider. Many Medigap policies also come with free preventive benefits and coverage for some annual screenings, such as mammograms.

Medicare does not pay for all your health care expenses. It helps pay for hospitalization, but it does not pay for most doctor services, surgery, or prescription drugs. Depending on which plan you are enrolled in (Part A and Part B), Medicare will cover either 80% or 100% of the following costs:

  1. Inpatient hospital care.
  2. Outpatient treatment.
  3. Skilled nursing facility care.
  4. Doctor services (such as the doctor’s office visit);
  5. Prescription drugs.
  6. Durable medical equipment that is covered under Part B; and
  7. Preventive health screenings, such as mammograms or colonoscopies, if you are age 65 or over or have been diagnosed with cancer.
  8. What Medicare does not cover is called “medically necessary care.” This means that the health care you receive must be proven to be needed. If it is determined by your doctor or health care provider to be medically unnecessary, Medicare may not pay for it. For example, if a doctor writes a prescription for a drug just because he or she prefers the brand name to generic, Medicare may deny payment for that prescription. In addition, if your doctor gives you a referral for a specialist of the same type as one you already see, even though it is medically necessary, Medicare will not pay for this cost.

Medicare’s official website reads as follows: “If you are not yet 65, or have not already enrolled in Part B, you may enroll anytime between the eighth month before your 65th birthday and three months after that birthday by calling 1-800-MEDICARE (1-800-633-4227) or TTY call 1-877-486-2048.”

Medicare Advantage plans are an option for people with Medicare. Each plan offers different benefits, so it’s important to choose the plan that best fits your health needs and budget. These plans deliver all Part A and Part B benefits — in addition to prescription drug coverage — through private health plans approved by Medicare. Your Part A and B premiums are paid to Medicare, and the plan pays your Part B premium and some or all your Part D premium for you.

Anyone who is:

• Enrolled in Medicare Part A or enrolled in Part B for at least six months. • At least 65 years old and eligible for coverage under Medicare Parts A and B. • Not enrolled in a Medicare Advantage Plan that provides all the services covered by your supplement plan.

There are 10 standard Medigap policies available and a variety of additional options. These are the most common:

  1. Plan A: pays 100% of Medicare Part A hospitalization costs after you’ve paid the deductible amount.
  2. Plan B: pays 100% of Medicare Part A hospitalization costs for 60 days after you’ve paid the deductible amount.
  3. Plan C: pays 100% of Medicare Part A hospitalization costs for unlimited time if you do not require skilled nursing care at a rehab facility (if necessary, 24-hour supervision by medically trained personnel);
  4. Plan D: in addition to paying 100% of Medicare Part A hospitalization costs, it also covers up to 80% of skilled nursing facility care after you’ve paid the deductible amount.
  5. Plan F: in addition to paying 100% of Medicare Part A hospitalization costs and up to 80% of skilled nursing facility care after you’ve paid the deductible amount, it also pays for a variety of other services.
  6. Plan G: in addition to paying 100% of Medicare Part A hospitalization costs and up to 80% of skilled nursing facility care after you’ve paid the deductible amount, it also covers outpatient hospital charges for some procedures.
  7. Plan N: provides extra coverage if you enter a nursing home or other health institution; this policy is designed for those who are not eligible for Medicare’s coverage of skilled care
  8. Plan P: covers up to 80% of the cost of eye exams, eyeglasses, and contact lenses after you’ve paid the deductible amount; it also helps pay for some other services not covered by Medicare Part B; and
  9. Plan R: a special Medigap plan available only in Massachusetts, pays 80% of the balance you owe after you’ve paid your Medicare Part A deductible amount.

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.

Quick Links:
Careers
Claims
Companies
Import My Insurance
Payments
Privacy Policy
Refer A Friend
Referral Partners
Service Request
Schedule Appointment

Oyer, Macoviak and Associates

© 2023 Oyer, Macoviak and Associates

Facebook Twitter Instagram Pinterest YouTube Linkedin
  • About
    • About Us
    • Blog
    • Oyer Team
    • Careers
    • Privacy Policy
    • Refer A Friend
    • Referral Partners
    • Testimonials
  • Insurance Plans
    • Business Insurance
    • Personal Insurance
  • Service
    • Log-In
    • Register
    • Claims
    • Companies
    • Mobile App
    • Payments
    • Service Request
    • Schedule Appointment
  • Email
  • Get A Quote
  • 561-732-9305