MIC Insurance Services

10/19/2026

Fall is rolling in… and so are the fall jokes. 😄🍂

10/16/2026

If you’re a “snowbird,” meaning you split your time between two homes in different states, your Medicare coverage might not automatically travel with you the way you'd expect. ❄️☀️

Here's the quick version:

🏥 Original Medicare (Parts A & B) covers you anywhere in the U.S., no networks, no referrals.

🩺 Medicare Advantage plans can work for snowbirds, just look for one designed for it. A PPO plan with a wide service area, or one that specifically covers both of your locations, gives you the flexibility to get routine care wherever you are.

💊 Part D drug plans have pharmacy networks too. Make sure your medications are covered wherever you are, and consider a plan with nationwide pharmacy access.

📝 Medigap policies tend to offer the most freedom for travelers, since most let you see any Medicare-participating provider in the country.

🚨 Emergencies and urgently-needed care are always covered, no matter where you are in the U.S.

A few tips before you head to your second home this season:

- Request extra medication refills if your plan allows it
- Confirm your pharmacy at your second home is in-network
- Ask your doctor if they offer telehealth visits while you're away
- Save urgent care contacts near both of your homes

Medicare Annual Enrollment runs October 15 through December 7, and this is the time to review your plan and make sure it still fits your two-state lifestyle. Call us and we can help you compare options in both locations.

10/14/2026

Medicare for Snowbirds: How to Stay Covered in Two States

Spending part of the year in another state? Learn how Original Medicare, Medicare Advantage, Medigap and Part D may work when you live in two places.

10/12/2026

Even if you are feeling one step behind, is it a comfort that the stores are at least two steps ahead? 🎃 🎄

10/11/2026

On November 11th each year, we honor the men and women who have served in our nation's armed forces. 🇺🇸

Veterans Day is not about grand gestures. It is about recognizing people who signed up, did difficult work, spent time away from the people they love, and then came home and got on with their lives without asking for much credit.

They are all around us. The neighbor who mows his lawn at seven in the morning out of old habit. The nurse who learned her trade in a field hospital. The grandfather who never talks about it. The young woman two years out of the service still figuring out what comes next. The friend who quietly checks in on the guy from his unit every few weeks.

If you served (or serve currently), thank you. We mean that plainly. If someone in your family served, today is a good day to ask them a question you have never asked. Where were you stationed? Who did you stay in touch with? What do you actually miss about it? Most veterans will tell you more than you expect if someone asks with real interest.

Tell us about a veteran you are thinking of today. We would be glad to hear their name.

10/09/2026

🍎 Sheet-Pan Sausage, Apples & Sweet Potatoes 🍠

Looking for an easy fall dinner with minimal cleanup? This sweet-and-savory sheet-pan meal brings together some of the best flavors of the season!

Ingredients:
• 2 medium sweet potatoes, peeled and cubed
• 2 apples, cored and chopped
• 14 oz. fully cooked smoked sausage, sliced
• 2 tablespoons olive oil
• 1 tablespoon maple syrup
• 1 teaspoon dried rosemary
• ½ teaspoon salt
• ¼ teaspoon black pepper

Directions:

Preheat oven to 425°F.

Add the sweet potatoes, apples and sausage to a large sheet pan.

Drizzle with olive oil and maple syrup. Sprinkle with rosemary, salt and pepper, then toss everything together until evenly coated.

Spread into a single layer and roast for 25–30 minutes, stirring halfway through.

When the sweet potatoes are fork-tender and everything is lightly browned, it’s ready to serve!

10/07/2026

Breast Cancer Awareness Month: Turn Awareness Into Action

Breast Cancer Awareness Month is a reminder to know your normal, discuss screening with your doctor, and understand how your health coverage supports cancer care.

10/05/2026

🍁✨ Let’s welcome the crisp air, cozy layers, and golden moments with open arms. Whether you’re sipping something warm or taking a scenic stroll, this season is all about joy—one leaf at a time.

10/05/2026

Today, October 5, we celebrate World Teacher Day. This is a day to honor the educators who guided us and who transform our communities week after week, year after year. 🍎✨ Do this now: take a moment to remember the great teachers who shaped your life. Drop their names in the comments, and better yet, drop them a personal note if you can track them down. Let them know they made a difference.

Great teachers do so much more than deliver curriculum. They spark curiosity, build confidence, and create safe spaces where young people discover who they are and what they're capable of. They mentor, encourage, listen, and go way beyond their job description to support their students.

World Teacher Day was established by UNESCO in 1994 to serve as a reminder that the dedicated professionals who form the backbone of education are the foundation of our future.
To every teacher out there: thank you for every invisible battle you fight, for every heroic win that no one sees except you and that student. Thank you for seeing the potential in your students, even when others have given up, for believing in them when they doubt themselves, and for the countless ways you work for the betterment of the world. 🙌

We see you and we thank you.

10/02/2026

🎃 Creamy Pumpkin Soup — A Cozy Fall Favorite! 🍂

Cool fall evenings call for something warm and comforting, and this easy pumpkin soup is just the thing!

Ingredients:
1 (15 oz.) can pumpkin puree
1 small onion, chopped
2 cloves garlic, minced
2 Tbsp. butter or olive oil
3 cups chicken or vegetable broth
½ cup heavy cream
½ tsp. salt
¼ tsp. black pepper
¼ tsp. ground nutmeg

Directions:
Sauté the onion in butter or olive oil over medium heat until soft, about 5 minutes. Add the garlic and cook for another 30 seconds.

Stir in the pumpkin, broth, salt, pepper, and nutmeg. Bring to a gentle simmer and cook for 15 minutes, stirring occasionally.

Reduce the heat and stir in the cream. Heat through without boiling, then taste and adjust the seasoning.

Ladle into bowls and, if you'd like, top with toasted pumpkin seeds, croutons, or an extra swirl of cream.