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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

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 1049 Reviews
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or Call (561) 732-9305

Testimonials

Why People are Choosing us

  • 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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    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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    Jeremy Grunfeld, Ph. D Avatar
    Jeremy G.
    - Google
    Very knowledgeable and quick process from the beginning to the end. I would highly recommend using them for your insurance needs.
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  • 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!
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    Elisa Wade Avatar
    Elisa W.
    positive review 
    - Facebook
    Oyer, Macoviak and Associates have always gone the extra mile to provide me with the right coverage for my needs... read moreOyer, Macoviak and Associates have always gone the extra mile to provide me with the right coverage for my needs . They not only have helped me with my personal insurance needs, but helped me secure coverage for my clients as well. Rob, Christian and their team are very knowledgeable. They are there to demystify the insurance process for you. They go over your needs and risks, and then help you find the best coverage within your budget. They take care of their clients, plain and simple. read less
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    Matthew Merlis Avatar
    Matthew M.
    - Google
    They worked with me & got me a great rate with a top notch, nationally recognized carrier. Wonderful to work... read moreThey worked with me & got me a great rate with a top notch, nationally recognized carrier. Wonderful to work with & have & will refer others to their agency. read less
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  • 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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    Darrell Sunday Avatar
    Darrell S.
    - Google
    Agent was great at explaining the different parts of the policy so I was able to make informed decisions. I... read moreAgent was great at explaining the different parts of the policy so I was able to make informed decisions. I ended up with exactly what I needed. Very pleased with this Company. read less
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    LINDA SCHNEIDER Avatar
    LINDA S.
    - Google
    Good people and great service.
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  • 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
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    Jeannie Morea Avatar
    Jeannie M.
    - Google
    I have been a client with Oyer, Macoviak and Associates for a good number of years. Their customer service is... read moreI have been a client with Oyer, Macoviak and Associates for a good number of years. Their customer service is excellent and they work hard to find the best insurance at the best price. read less
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    Hollie McCann Avatar
    Hollie M.
    - Google
    Oyer Macoviak and Associates are all very knowledgeable, courteous. They take time to find you the best way quote... read moreOyer Macoviak and Associates are all very knowledgeable, courteous. They take time to find you the best way quote to fit your needs. I would highly recommend them to anyone who wants someone who is honest and you can feel they have your best interests. read less
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  • Charlotte & Jerry Garfinkle Avatar
    Charlotte &.
    - Google
    Very easy to work with. Straight answers the first time. Premium was very good. Real savings.
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    Chino Mourlot Avatar
    Chino M.
    - Facebook
    If need insurance call them, they are professional, sincere in helping their clients and potential clients, or email
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    Kristen Miami Avatar
    Kristen M.
    - Google
    I chose to contact Oyer, Macoviak & Associates because they are a local business. The first time I called, an... read moreI chose to contact Oyer, Macoviak & Associates because they are a local business. The first time I called, an associate answered the phone right away and I had a quote within hours. They were also very responsive to my mortgage company during my home buying process. I highly recommend due to their customer service, ease of doing business, and being able to go above and beyond for their clients. read less
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  • Huguette Patrice Avatar
    Huguette P.
    - Google
    We have worked with Oyer, Macoviak & Asst for over 15 years now. Their customer service is exceptional. The... read moreWe have worked with Oyer, Macoviak & Asst for over 15 years now. Their customer service is exceptional. The insurance fees are reasonable as they always do their best to provide the very best ones. We would recommend them anytime. Thank you. read less
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    Kevin Westley Avatar
    Kevin W.
    - Google
    Great service.
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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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  • Ann Messina Avatar
    Ann M.
    - Facebook
    Excellent service and the staff is so accessible and helpful always...
    Thank you to the entire team.....
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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.
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    Jim Noga Avatar
    Jim N.
    - Google
    Made my experience getting insurance very nice and easy.
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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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    Tim Demosthenes Avatar
    Tim D.
    - Google
    It’s a pleasure working with your staff! Everyone is patient knowledgeable friendly and helpful.
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    Wayne Malik Avatar
    Wayne M.
    - Google
    Knowledgeable and very easy to deal with. Would highly recommend them.
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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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    Arianna Mangual Avatar
    Arianna M.
    - Google
    We made the switch to Oyer, Macoviak and Associates about a year ago and I only wish we would have... read moreWe made the switch to Oyer, Macoviak and Associates about a year ago and I only wish we would have found them sooner. Their associates have been nothing less than wonderful. In our search for the most suitable policy, I've had the privilege of speaking to very knowledgeable, understanding, polite and genuine associates that really care for our satisfaction and well-being. Their attention to detail and the individual account management this company provides, assures me that my business is valued and I can sit back and trust that they will always do their best to take care of my family's needs. Their office is a good 45 to 50 minute drive, if we were to have the need for an in person visit but in my opinion, the drive would be the least of my worries knowing that I'm in good hands. read less
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    Maryellen Helberg Avatar
    Maryellen H.
    - Google
    Excellent service! All our questions were addressed in a very efficient manner. We feel very confident and well protected with... read moreExcellent service! All our questions were addressed in a very efficient manner. We feel very confident and well protected with our policy. I highly recommend for all your insurance needs! read less
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  • Beverly Kast Avatar
    Beverly K.
    positive review 
    - Facebook
    They find the best companies with the lowest premiums. The staff is very helpful and pleasant. I had a claim... read moreThey find the best companies with the lowest premiums. The staff is very helpful and pleasant. I had a claim and they took care of it immediately. They are the best read less
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    Paul Weber Avatar
    Paul W.
    - Google
    I met with Cheryl Macoviak to obtain a new home insurance policy. Cheryl listened to my concerns and was... read moreI met with Cheryl Macoviak to obtain a new home insurance policy. Cheryl listened to my concerns and was able to get me the coverage I was looking for as the best price possible. I definitely recommend Oyer, Macoviak and Associates for anyone looking for home insurance. read less
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    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
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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.

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main REASONs TO CHOOSE US

Why Oyer, Macoviak and Associates for Medicare Supplement Insurance?

Choice Oyer, Macoviak and Associates

Choice

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

Easy-Oyer-Macoviak-and-Associates

Easy

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

Unbiased-Oyer-Macoviak-and-Associates

Unbiased

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

Happy Family Playing with Child

69+

Years in Business

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

Family Happy Beach

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.


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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).

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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

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561-732-9305

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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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  • About
    • About Us
    • Blog
    • Oyer Team
    • Careers
    • Mobile App
    • Privacy Policy
    • Refer A Friend
    • Referral Partners
    • Testimonials
  • Business Insurance
    • Business Insurance
    • Business Auto Insurance
    • Contractors Insurance
    • Cyber Liability Insurance
    • EPLI Insurance
    • Fence Contractor Insurance
    • Fitness Trainer Insurance
    • Furniture Assembler Insurance
    • General Contractors Insurance
    • General Liability Insurance
    • Handyman Insurance
    • House Sitting Insurance
    • Online Seller Insurance
    • Painter Insurance
    • Photographer Insurance
    • Pool Maintenance Insurance
    • Product Liability Insurance
    • Professional Liability Insurance
    • Restaurant Insurance
    • Smart Home Installer Insurance
    • Surety Bonds Coverage
    • Workers Compensation Insurance
  • Personal Insurance
    • Auto and Home Bundle
    • Auto Insurance
    • Boat Insurance
    • Classic Car Insurance
    • Condominium Insurance
    • Dental Insurance
    • Flood Insurance
    • Health Insurance
    • Home Insurance
    • Life Insurance
    • Long Term Care Insurance
    • Medicare Supplement Insurance
    • Motorsports Insurance
    • Rental Property Insurance
    • Renters Insurance
    • Street Legal Golf Cart Insurance
    • Travel Insurance
    • Umbrella Insurance
    • Vacant Property Insurance
    • Valuable Items Insurance
    • Vision Insurance
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