Medicare Supplement Insurance
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.
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.
There are ten different types of Medicare Supplement Insurance, labeled A through N. Each of them has different specific benefits. In general, the higher the premium for any particular plan, the greater the level of benefits it offers; just as with any other type of insurance. Another thing these plans have in common with other types of insurance is the fact that they change slightly from state to state. Since they are offered by private companies instead of the federal government, different states have different laws to regulate these plans, which accounts for the variances.
Since the inception of Medicare part D, no new Medigap policies sold include any type of prescription drug coverage. So, if you are purchasing a new Medigap policy now, you need to be aware of this. If you purchased your Medigap policy prior to January 1 2006, then you could have a plan which still includes prescription drug coverage. People who have switched to a stand-alone Medicare part D plan had the option to switch to a different Medigap plan altogether if they enrolled in that part D plan prior to May 15th of that year. Now, that freedom is left to the discretion of the issuing company, but you should still be able to drop your prescription coverage.
Call us at 561-732-9305 or request Online today to learn more about your options.
Insurance Companies We Represent
- Flora A.
I found that the agent was thorough in his research of finding an insurance company that would serve my needs.
Linda M.Highly recommend “Oyer”!!! They are all knowledgeable and efficient. AND there’s a bonus - they answer their phones and... read moreHighly recommend “Oyer”!!! They are all knowledgeable and efficient. AND there’s a bonus - they answer their phones and return phone calls immediately. read less
Beverly K.I have been a client for many years. The staff is pleasant and efficient. They always find the best companies... read moreI have been a client for many years. The staff is pleasant and efficient. They always find the best companies with the lowest premiums. I highly recommend using them for all your insurance needs read less
- Elaine M.
They 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
Pris N.It's great to find an insurance agency that actually cares! The agents make sure we get the best home... read moreIt's great to find an insurance agency that actually cares! The agents make sure we get the best home and auto policies and follow up to ensure we are happy. When we have had a claim, theyweare there to help, not to hinder. Can't recommend them more highly. read less
Danelle D.Rob made choosing a health care plan so incredibly easy! He is extremely knowledgable and was able to save me... read moreRob made choosing a health care plan so incredibly easy! He is extremely knowledgable and was able to save me hundreds of dollars on an amazing plan. I highly recommend him and his team!! read less
- Chelsea E.
Oyer, Macoviak and Associates have been so great to me. Very professional and always helpful.
Tulla K.We have used Oyer Macoviak for years for insurance for home and cars. They have the best rates. ... read moreWe have used Oyer Macoviak for years for insurance for home and cars. They have the best rates. Also, customer service is excellent and always professional. Family members also use them. read less
Darryl B.Professional, good quality service, and responsive to all questions,
- Don T.
Best in business with fast and friendly service. I strongly recommend Oyer, Macoviak and Associates for all your insurance needs.
Simone R.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! read lessJanet K. When I call they are always pleasant & very helpful.
- robert j.
great insurance agent,, rob and cheryl has been very helpful in getting me car, van, and renters insurance at... read moregreat insurance agent,, rob and cheryl has been very helpful in getting me car, van, and renters insurance at a rate that is very good for both! i would highly recomend them for all your insusurance needs! its nice to talk to real persons when you call! they really appreciate your business! read less
Creative M.The most efficient & knowledgeable ins. people I know! Give them a try!Family owned & operated right in Boynton too!
Judith W.Oyer, Macoviak has covered my condo since I bought it in December of 2008. Several years ago my upstairs... read moreOyer, Macoviak has covered my condo since I bought it in December of 2008. Several years ago my upstairs neighbor left her kitchen faucet on and the stopper down. My brand-new kitchen was severely damaged. Oyer and Macoviak helped me recover from the physical and financial damage. They were so kind and helpful from beginning to end. I highly recommend them. read less
- Edie W.
If you are in the market for an insurance company I would highly recommend this company. We have been with... read moreIf you are in the market for an insurance company I would highly recommend this company. We have been with them for several years and have been very satisfied with the coverage and the price. Rob Macoviak is our agent and he is great! We have referred some of our friends and they also decided to go with this agency and have been equally pleased. read less
John a.Excellent Customer Service!!! Treat you like family and very knowledgeable on many different types of coverage. Big shout out to... read moreExcellent Customer Service!!! Treat you like family and very knowledgeable on many different types of coverage. Big shout out to the Lama Lady! YOU ROCK!!!!... as does the rest of the staff. read less
Jerry L. 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
- michael g.
Started our relationship by a long distance phone call for home owners coverage. always available to answer questions. So impressed... read moreStarted our relationship by a long distance phone call for home owners coverage. always available to answer questions. So impressed by the professionalism shown, yet friendly communication, that multiple automobile coverage was added. As a three year client, I highly recommend Oyer, Macoviak and Associates. read less
Milo M.Professional, competent and responsive at every step.
Thomas A.First year with them. But pleased so far in how i have been treated and charged.
- Hendricks E.
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 lessGary M.Cindy was quick to reply to my inquiry and relay available insurance options. No pressure; just valued info to make... read moreCindy was quick to reply to my inquiry and relay available insurance options. No pressure; just valued info to make decisions that made sense for my particular needs.Excellent Customer Service skills. Highly recommend. read less
Beverly K.I have been a client for many years. The staff is pleasant and efficient. They always find the best companies... read moreI have been a client for many years. The staff is pleasant and efficient. They always find the best companies with the lowest premiums. I highly recommend using them for all your insurance needs read less
- Mike V.
Professional courteous helpful and responsive service with knowledgeable staff who take the time to listen and care about your needs.
Fernando R.Had 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
Allan C.They have always provided me with quick service that is high quality. I appreciate their attention to my insurance requests.
- Jeffrey H.
These folks have always taken great care of us since we moved here over 8 years ago. Professional and understanding... read moreThese folks have always taken great care of us since we moved here over 8 years ago. Professional and understanding of our insurance needs and very good at shopping around for the best value!They are truly the best to work with! read less
Len P.Most helpful, most customer friendly, most informative agency imaginable.
Chelsea E.Oyer, Macoviak and Associates have been so great to me. Very professional and always helpful.
