Business Details
38 Years
experience
Your Trusted Partner for Comprehensive Insurance Solutions
MIC Insurance Services is a second-generation, family-owned and operated independent insurance agency serving New Jersey individuals, families, and businesses. Our licensed agents specialize in Medicare Supplements, Life Insurance, Long Term Care, and other insurance products, helping clients find affordable, quality coverage tailored to their needs. With nearly 100% of our clients referred by satisfied customers, we prioritize personalized service, industry expertise, and long-term client relationships.Our team stays up-to-date with evolving insurance markets to provide informed guidance, ensuring clients receive optimal coverage and cost savings. We emphasize transparency, proactive support, and a commitment to client trust, making complex insurance decisions straightforward and accessible.
Services
Medicare Supplement
Term Life Insurance
Dental Insurance
Critical Illness Coverage
Travel Insurance
Disability Income Insurance
Long Term Care Insurance
Medicare Part D
Individual Health Insurance
Medicare Advantage
Details
- Year established: 1988
Highlights and features
- We offer decades of experience in Medicare and health insurance planning
- Our team provides personalized, jargon-free guidance for all insurance needs
- Family-owned agency with 97% client retention through referrals
- Specialized expertise in navigating complex insurance markets
- Proactive support with policy reviews and cost-saving recommendations
What people say
Professional and friendly staff
Saved me tons of money
Knowledgeable in all insurance types
Personalized, family-like service
Proactive policy reviews
Services
Medicare Supplement
Medicare Supplement plans help cover out-of-pocket costs from Original Medicare, including copayments, coinsurance, and deductibles. Our agents specialize in comparing Medigap options to find plans that match clients' healthcare needs and budgets. We provide ongoing support to ensure coverage adapts to changing requirements.
Term Life Insurance
Term life insurance provides death benefit protection for a specified period. We help clients determine appropriate coverage amounts and terms based on financial obligations, offering comparisons across providers to find cost-effective solutions with flexible payment options.
Long Term Care Insurance
Long-term care insurance covers custodial care costs not paid by Medicare or health insurance. Our specialists explain policy options, benefit periods, and inflation protection features to help clients plan for future care needs while preserving assets.
Individual Health Insurance
We assist in selecting individual health plans through the Marketplace or private providers, explaining essential benefits, network coverage, and cost-sharing structures. Our guidance ensures clients understand preventive care benefits and out-of-pocket maximums when choosing policies.
Critical Illness Insurance
Critical illness policies provide lump-sum payments for diagnoses like cancer or heart attacks. We explain coverage triggers, benefit amounts, and policy riders to help clients create financial safety nets for unexpected medical events while maintaining existing insurance protections.
People
Betsy Chandler
Owner and President
Betsy has specialized in Medicare insurance since 1988, co-authored health insurance columns, and serves on the Wilson Foundation board. She focuses on client education and policy advocacy while leading MIC's strategic direction.
Terry Chandler
Insurance Agent
Terry specializes in life, long-term care, and group insurance products with expertise in customized coverage solutions. He maintains industry affiliations and focuses on holistic risk management strategies for personal and business clients.
Tracy Lobel
Medicare Specialist
Tracy assists clients with Medicare enrollment and plan selection, leveraging diverse insurance experience to simplify complex decisions. She emphasizes personalized support and community engagement through local volunteer initiatives.
Bonnie Russo
Insurance Agent
Bonnie provides guidance on medical, dental, and travel insurance products with two decades of industry experience. She focuses on explaining policy details clearly while helping clients navigate individual marketplace plans and employer-sponsored coverage options.
Cheryl Jobes
Client Support Specialist
Cheryl handles policy administration and client inquiries with a focus on resolving issues promptly. She ensures smooth policy implementation and maintains client records while providing direct support for coverage questions and claims processing.
Questions
What insurance products does MIC specialize in?
We specialize in Medicare Supplements, Part D, Advantage plans, life insurance, long-term care, disability income, and individual health insurance tailored to New Jersey residents.
How does MIC help clients save on insurance costs?
Our agents compare multiple providers to find cost-effective plans, proactively review existing policies for savings opportunities, and provide market updates to optimize coverage annually.
Can MIC assist with Medicare enrollment?
Yes, our licensed agents guide clients through Medicare enrollment, plan selection, and application processes with personalized support for Supplement and Part D plans.
What sets MIC apart from other agencies?
As a second-generation family business, we combine deep local expertise with personalized service, maintaining 97% client retention through transparent, jargon-free insurance guidance.
Do you offer group insurance solutions?
Yes, we provide group health, dental, and life insurance solutions for businesses, working with employers to create cost-effective benefit packages for employees.
