“Understanding NJ State Continuation”

What is NJ State Continuation? NJ Continuation is in effect “mini COBRA” and is a State Law whereby employees who have 1-terminated  for other than cause or 2- whose hours have fallen to below 25 hours per week and thereby lose their group medical coverage are eligible to continue on the group medical plan at their own expense. What are… Continue Reading

2018 Open Enrollment is Rapidly Approaching!

  If you want to buy individual or family health insurance for 2018, now is a great time to start your planning. Here’s what you need to know for the open enrollment period for 2018 individual and family health insurance plans:    The open enrollment deadline has changed.   Open enrollment starts Nov. 1, 2017,… Continue Reading


BY: BETSY CHANDLER   While the weather is warm, and the days still afford us the opportunity for dinner on the deck, here at MIC Insurance, we are busy preparing for AEP.  AEP stands for Annual Enrollment Period and is also referred to as Medicare Open Enrollment. The open enrollment period is from October 15th thru… Continue Reading

UNDERSTANDING YOUR HEALTH INSURANCE   BY:  BETSY CHANDLER   Traveling Outside the United States?   What you need to know about Medicare and your Medicare Supplement before you go.   If you are on Medicare, there are a few things you should be aware of it your travel plans are taking out of the U.S.… Continue Reading

What’s the Social Security Number Removal Initiative (SSNRI)?

What’s the Social Security Number Removal Initiative (SSNRI)? The Medicare Access and CHIP Reauthorization Act (MACRA) of 2015, requires us to remove Social Security Numbers (SSNs) from all Medicare cards by April 2019. A new Medicare Beneficiary Identifier (MBI) will replace the SSN-based Health Insurance Claim Number (HICN) on the new Medicare cards for Medicare transactions… Continue Reading

What does Medicare not cover?

BY: BETSY CHANDLER   In order for Medicare to cover your doctor visit or hospital stay, the first step is to be sure that the doctor or hospital you are using is a Medicare provider. According to a recent study, more than 99% of doctors are Medicare providers. That certainly gives you pretty good odds… Continue Reading