Since 1953
Medicare Supplement 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.
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Testimonials
Why People are Choosing us
A G.- GoogleWe have always been pleased with the service and help with our insurance policies placed through the company. Dealing with... read moreWe have always been pleased with the service and help with our insurance policies placed through the company. Dealing with local businesses has always been more rewarding than using "on line services". read less
Lois T.- GoogleVery helpful & professional when I needed help
Fernando R.- GoogleHad a great experience working with Cheryl. She was very patient working on multiple homeowners quotes and has been extremely... read moreHad a great experience working with Cheryl. She was very patient working on multiple homeowners quotes and has been extremely helpful through the entire process even after buying the house. Was by far the best rate I found. Highly recommend. read less
- Patti S.- Google
It's so nice to have a local family owned insurance company right in the heart of Boynton Beach! Rob, Cheryl... read moreIt's so nice to have a local family owned insurance company right in the heart of Boynton Beach! Rob, Cheryl and the entire staff are wonderful. They take the time to listen to your needs and help you find the best fit for your personal situation. They are professional and very quick to respond.They are on top of the current situation where some insurance companies are NOT renewing policies and keeping us informed and we feel very confident being with them! I would highly recommend Oyer, Macoviak & Associates. read less
Nelson C.- GoogleI reshop my home insurance every 3 years. 2 years, I received a very competitive quote from Oyer. ... read moreI reshop my home insurance every 3 years. 2 years, I received a very competitive quote from Oyer. After talking with the agent & discussing various coverages & their importance, I was able to reduce my policy payment even more. Whenever I have a question, they are available to help. I've been very pleased with their service. read less
Tashia G.- FacebookExceptional service from quote to binding. Cheryl Macoviak is a competent professional who went above and beyond to take... read moreExceptional service from quote to binding. Cheryl Macoviak is a competent professional who went above and beyond to take care of my insurance needs at the last minute. read less
- Lynne H.- Google
I had a great experience with Oyer, Macoviak and Associates insurance company. From my initial phone call, to signing my... read moreI had a great experience with Oyer, Macoviak and Associates insurance company. From my initial phone call, to signing my new homeowner’s insurance policy, all my questions and concerns were answered very promptly, professionally and clearly. Ryan Paguaga is so knowledgeable, and his patience along with the information he provided helped me make the best decisions for my needs. He took the time to make sure I was comfortable with my choices. I would recommend this company to anyone I know for all their insurance needs! read less
Kim F.- FacebookI 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 lessJack F. - FacebookOyer, Macoviak and Associated has been our insurance agent in excess of ten years. They are always helpful in... read moreOyer, Macoviak and Associated has been our insurance agent in excess of ten years. They are always helpful in finding the best rates for auto and homeowners insurance to meet our needs. Whenever we have a question they are prompt in getting back to us. I highly recommend them for all your insurance needs. read less
- Paula P.- Google
I have been very happy with the time and attention that are afforded to me by being insured with... read moreI have been very happy with the time and attention that are afforded to me by being insured with this wonderful company read less
Fernando R.- GoogleHad a great experience working with Cheryl. She was very patient working on multiple homeowners quotes and has been extremely... read moreHad a great experience working with Cheryl. She was very patient working on multiple homeowners quotes and has been extremely helpful through the entire process even after buying the house. Was by far the best rate I found. Highly recommend. read less
Jerry L. - FacebookThey 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
- d p.- Google
Excellent service from Oyer, Macoviak and Associates! Very friendly and professional!!
Bob P.- GoogleThey shopped my insurance for me and got me the best price and coverage avaliable.They listnend to me and walked... read moreThey shopped my insurance for me and got me the best price and coverage avaliable.They listnend to me and walked me thru the process.I give them a A+. read less
Elaine M.- GoogleThey are very professional and understand what our needs are for insurance. Can always reach someone via phone which... read moreThey are very professional and understand what our needs are for insurance. Can always reach someone via phone which is a plus. It is so convenient having their office right in town. They are also knowledgeable about other state rules and regulations which helps people that split their time in Florida and elsewhere during the year. read less
- Bonnie U.- Google
I have switched agencies twice due to lack of responsiveness. This company is very responsive and their customer communication emails... read moreI have switched agencies twice due to lack of responsiveness. This company is very responsive and their customer communication emails are excellent. I'm glad to finally feel like my business is truly appreciated. read less
Mac M.- GoogleGreat people, great service. There are most attentive, professional, and I recommend them all the time.
Barbara N.- GoogleWe 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
- Barbara R.- Facebook
Friendly and prompt service. Replied to all inquires!
Stacey M.- GoogleI am very happy with Oyer, Macoviak and Associates. My home owners insurance was about to expire and I... read moreI am very happy with Oyer, Macoviak and Associates. My home owners insurance was about to expire and I needed a new company. Oyer and Macoviak stepped up and found me a great insurance at a reasonable price. Thank you! read less
Peggy R.- GoogleWhat a great insurance we found! Out of five companies, Oyer, Macoviak & Associates explained and provided all the info... read moreWhat a great insurance we found! Out of five companies, Oyer, Macoviak & Associates explained and provided all the info we needed to get insurance on the condo we purchased in Florida. Cheryl was so helpful and lined us up with a terrific inspector, explained all the different laws/rules we needed to follow to get an effective policy. Not so with the other insurance companies. So professional and friendly! They were an easy choice and saved us $300+ in the process! Very happy with this company! read less
- 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 moreOyer, Macoviak & Associates is a great insurance company.
They do their best to find the right insurance for us.
We have home & car insurance with them.
We would recommend them to everyone.
Mrs. William Peterson - Boynton Beach read lessTerry K.- GoogleFantastic Rates and Service. We have already been recommending Oyer, Macoviak & Associates to Friends and Business Associates.
Lynn B.- GoogleOyer, Macoviak and Associates helped me find affordable homeowners insurance when other insurance companies were not writing policies in my... read moreOyer, Macoviak and Associates helped me find affordable homeowners insurance when other insurance companies were not writing policies in my area, or the policies offered were very expensive . They were very conscientious, professional and I highly recommend them for all your insurance needs. read less
- Sue T.- Google
Oyer, Macoviak and Assoc have worked with us since we bought our home. Then we added car insurance. Any questions... read moreOyer, Macoviak and Assoc have worked with us since we bought our home. Then we added car insurance. Any questions I have had, has been answered in a timely manner. I would recommend them to anyone need home owner or car insurance. read less
Annette C. - FacebookI love dealing locally and Oyer, Macoviak and Associates make it a pleasure. They are extremely knowledgeable and professional while... read moreI love dealing locally and Oyer, Macoviak and Associates make it a pleasure. They are extremely knowledgeable and professional while providing great value. They were easily able to answer all my questions and instilled a sense of confidence that just felt Good! read less
Jason G.- GoogleI wish I could give more stars. I was very impressed with the service I received initially when shopping for... read moreI wish I could give more stars. I was very impressed with the service I received initially when shopping for insurance. Then when the unexpected actually happened... The TEAM was everything one could ask for. Empathetic. Professional. And most important, fantastic communication from day 1. Thank you once again Cheryl & Sophia! read less
- Hendricks E.- Facebook
I am a customer for many years with Oyer and Macoviak. I always received excellent information, service and customer service... read moreI am a customer for many years with Oyer and Macoviak. I always received excellent information, service and customer service from the entire staff.
Marie W. is my agent for many years and explains all my insurance needs and the best pricing. Marie always goes the extra mile! read lessNick A.- GoogleMy visit with Oyer, Macoviak and associates was an easy and pleasant experience. He searched for the best price... read moreMy visit with Oyer, Macoviak and associates was an easy and pleasant experience. He searched for the best price and coverage according to my needs. These days when coverage is difficult to find I was happy with their service and accommodations. read less
Aden R.- FacebookOyer 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
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.
main REASONs TO CHOOSE US
Why Oyer, Macoviak and Associates?
Choice
We have access to multiple companies with a range of products.
Easy
We can easily switch you from company to company without hassle.
Unbiased
We are unbiased and objective, you know you have the right plan for you.
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.
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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).
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:
- Inpatient hospital care.
- Outpatient treatment.
- Skilled nursing facility care.
- Doctor services (such as the doctor’s office visit);
- Prescription drugs.
- Durable medical equipment that is covered under Part B; and
- Preventive health screenings, such as mammograms or colonoscopies, if you are age 65 or over or have been diagnosed with cancer.
- 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:
- Plan A: pays 100% of Medicare Part A hospitalization costs after you’ve paid the deductible amount.
- Plan B: pays 100% of Medicare Part A hospitalization costs for 60 days after you’ve paid the deductible amount.
- 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);
- 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.
- 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.
- 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.
- 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
- 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
- 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.