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Make your 2024 PDP AEP Appointments Now

Please call our off to make your appointement now.  With the uncertainity of the COVID upticks still occuring, our first priority is to maintain the health and safety of our staff and their families, as well as our clients.  Our next priority is to continue to serve the needs of our clients with the high level of excellence that is our hallmark.  To that end, our office is open, while all team members are working in a secure environment from their homes.  The only difference you will find is that we are permitting in-office appointments when all other meeting options are exhausted.  Please feel free to reach us by phone, or e-mail, and we will be happy to schedule phone appointments or utilize technology to your personal comfort level with view-my-screen or join-me virtual meetings.


We wish you and your family the best in staying healthy, and navigating this new norm.


Terry & Betsy Chandler

Please note: For Part D plans in Morris County NJ- We do not offer every plan available in your area. Currently we represent 6 organizations which offer 17 products in your area. Please contact, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

Please note: For Medicare Advantage plans in Morris County NJ- We do not offer every plan available in your area. Currently we represent 7 organizations which offer 49 products in your area. Please contact, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

For all other areas, plesae call our office.


We've got you covered.

Navigating the complex world of insurance can be frustrating. We're here to make it easy and be a resource you can depend on year after year.

Individual Health Insurance

No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses.

Term Life Insurance

Term life insurance coverage can be relatively easy to comparison shop. It simply covers you in the event that you die before the end of the term for which you are covered.

Accident Insurance

Accident Insurance can be used not only to offset the costs associated with an accident such as ambulance transportation, emergency room visits, X-rays and rehabilitative therapies, but also for ordinary daily bills.

Medicare Advantage

Medicare Advantage plans are new health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services.

Medicare Supplement

A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.

Medicare Part D

Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area.

Dental Insurance

Proper dental care can be an important component of our well being. Dental coverage of some kind can help you ensure the health of your teeth and gums.

Critical Illness

If you are diagnosed with a covered illness like Cancer, Heart Attack, Stroke or Alzheimer’s disease, Critical Illness insurance pays typically pays a lump sum. Additionaly, some policies may pay a monthly cash benefit.

Travel Insurance

MIC has partnered with a national travel insurance agency. Please call Dan, or Brandon directly and mention that MIC Insurance Services sent you. If you prefer, call us and one of our team members can get you connected directly to them.

Contact Dan, Brandon, or Mark



Your Trusted Insurance Professionals

MIC is a second generation, family-owned and operated independent insurance agency serving New Jersey individuals, families, and businesses. Our licensed agents are here to help you find the best possible insurance coverage for your needs and budget.


Nearly 100% of our clients have been referred to us by another satisfied client. We value your trust and we look forward to helping you find affordable, quality insurance products at the high level of personal service that has become the hallmark of MIC.


What Our Customers Are Saying

Hear from customers like you.


Dear Tracy, It was our good fortune to have you help us with, what was a daunting challenge for us, find a supplemental plan that we  liked. We never thought that with such a short deadline we'd actually have any kind of success.

Thanks for your knowledge, professionalism and especially your patience.

Pray that you and all your loved ones stay safe and healthy during these trying times.



Lynn and Ron

MIC has been my insurance company since 2007 - first with group insurance from my employer, then my personal individual insurance, and after that, my supplemental insurance with Medicare.  I cannot recommend them more highly than I have already to at least 6 of my friends as well as my family!  They have all been as happy with MIC as I have been.  MIC is totally up to date and knowledgeable for all types of health insurance which is SO complicated in this day and age.  In addition to that, they have saved me tons of money over the last 12+ years!  All the staff is professional and friendly, and I would not think of contacting anyone else when it comes to my insurance.  You can be completely confident if you are in the hands of MIC!

Karen B.

Betsy answered all our questions and covered every option which helped make the best decision for us. She gave us more information than we would have discovered on our own. She is a pleasure to work with and we will certainly recommend her to others.

Maryann and Tom Re

MIC Insurance Services is a first class business. Everyone I have spoken with has been friendly, helpful, enthusiastic and most important knowledgeable in their area of expertise. Betsy and Tracey with Medicare Supplemental Health and Prescription Insurance and Bonnie with Dental Insurance. Easy and enjoyable to do business with.

Eric Steiner

Betsy Chandler knows how to earn the loyalty of her clients.  She does that by providing top notch expertise and seamless implementation.  Some advisers rely on the complexity of a situation to show why their clients need to rely on them.  Betsy, on the other hand, does everything she can to make the decision-making process straight-forward, easy to understand and, dare I say it – enjoyable.


Tracy- I was thrilled to work with you, and MIC , to help my wife and I navigate her entry into Social Security. To say the least, it is a daunting task, but you actually made it easy! By the time our phone meeting was over, I quickly canceled the coverage I had planned on using, and went with your recommendation, you guys were phenomenal!! Not that my friends r in a hurry to turn 65, but when they do turn, they’ll be contacting you as well! Thanks again for all your guidance! 


Nice to see the “full service”.  I’m very impressed.  Nice to know that some professionals still do the right things. Thank you for being the “sunshine” in my work week the past few weeks.  You are an absolute pleasure to work with.  It’s so hard today to find smart people who act in a professional manner.  You are a breath of fresh air!


My experience with MIC was very positive.
Betsy and her team are a pleasure to work with...professional and helpful!  MIC offers great service. A rare find these days. Many thanks! 


Had it not been for MIC I would be paying well over $1000 more for my insurance. They are so on top of everything. They will call you and tell you they were checking things for you, without even being asked to do this. I give all of them 5 stars. I don’t know what I would do without them. Thank you for all your help.


All A++++++ . You are all very easy to work with.



Betsy your professionalism and kindness are a great mix. I can't say enough good things about your company.

Toni M.

A friend suggested I contact Betsy to help with retirement healthcare planning, and I am so glad he did.

My wife and I have found Betsy and her team to be extremely well-informed and professional, as well as having a very friendly and helpful ‘bedside manner’.

In terms of your recommending Betsy to other potential clients, I offer my unqualified personal endorsement

Bruce C., Califon, NJ

I appreciate how helpful and friendly everyone at MIC is, and your  availability to always assist us.  That is extremely valuable to me, and why I always use MIC


They exemplify what it means to be “customer focused” and are dedicated to helping clients make the right decisions for themselves and their families by knowing the product market, understanding what questions to ask, eliminating unnecessary complexity, following up on outstanding issues, and providing seamless implementation.   Thank you


I am writing just to let you know that Cheryl took such wonderful care of me today (which I'm sure is not a surprise to you)!!  

I had a small issue regarding my new Aetna policy.  No worries!!  Cheryl went above and beyond to resolve the issue immediately.  She was a delight to work with (as are all of your terrific staff).  She couldn’t have been more gracious, helpful, patient, and professional.   She resolved the issue very quickly, and all is well.  I assure you, this was NOT an error on your company’s part.

It means so much to be able to call your office, regarding my coverage, and actually have a friendly, patient and knowledgable person answer the phone, instead of being put on hold for hours (which, unfortunately, is the case these days, with other companies).

How proud you should feel about your great company, and all of your very friendly, knowledgeable and highly professional team!!

Jo W


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