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The Mie field calculation of a coated sphere has significance in photonic and biomedical applications, but roundoff errors are often critical. Such pitfalls can be circumvented by arbitrary precision scheme. The extended Mie theory shows spherically symmetric optical heating in laser–liposome interactions. It also predicts a penetrating standing wave in a silver-coated silica microsphere in water under near-infrared irradiation, where a peculiar pattern in the core field is found. The intensity distribution and the dominant mode analysis may be useful to characterize microshells for the near-field applications in nonlinear optics and signal sensitization.