# Medicare Mentors

> Independent Medicare and health insurance brokerage serving North Carolina and beyond since 2011. Free consultations from Dave and Michele Johnson and the Medicare Mentors team.

## Pages

- [Home](/): Overview of Medicare Mentors and core services.
- [Medicare Planning](/medicare-planning): Help choosing between Original Medicare, Medigap, Medicare Advantage, and Part D.
- [Health Insurance](/health-insurance): Under-65 ACA marketplace plans, COBRA, and short-term coverage.
- [Supplemental Plans](/supplemental-plans): Cancer, hospital indemnity, dental, vision, and hearing coverage.
- [Life Insurance](/life-insurance): Term, whole, and universal life policies.
- [Long Term Care](/long-term-care): Long-term care insurance for nursing, assisted living, and in-home care.
- [Resources](/resources): Curated directory of senior-focused external resources.
- [Career](/career): Recruitment for licensed Medicare agents.
- [Agent Reviews](/agent-reviews): Reviews from agents on the Medicare Mentors team.
- [Referral](/referral): Send a referral to Medicare Mentors.
- [CSNP Eligibility](/csnp): Find out if you qualify for a Chronic Special Needs Plan.

## Blog

- [Avoiding the IRMAA Trap](/blog/avoiding-medicare-irmaa-surcharges): How Medicare's income surcharge works and how to avoid it.
- [Never Talk to Strangers — Medicare Scam Calls](/blog/never-talk-to-strangers): How to spot and stop Medicare phone scams.
- [The Medigap Lock-In Trap](/blog/medigap-lock-in-trap): Why the cheapest Medigap plan at 65 can cost you later.
- [Medicare Supplement vs Medicare Advantage](/blog/medicare-supplement-vs-medicare-advantage): Side-by-side comparison.
- [When to Enroll in Medicare at 65](/blog/when-to-enroll-in-medicare-at-65): Initial Enrollment Period timing and penalties.
- [Understanding Medicare Part A and Part B](/blog/understanding-medicare-part-a-and-b): Beginner-friendly Original Medicare guide.
- [Medicare Part D Prescription Drug Coverage](/blog/medicare-part-d-prescription-drug-coverage): How Part D works and how to choose a plan.
- [Open Enrollment Tips for 2026](/blog/open-enrollment-tips-2026): Key dates and strategies for AEP.
- [Don't Believe the Hype on Medicare Advantage Ads](/blog/dont-believe-the-hype-medicare-advantage): What the TV ads aren't telling you.
- [Retiring Before 65](/blog/retiring-before-65-health-insurance-options): Bridging coverage before Medicare eligibility.
- [Home Health Care Insurance](/blog/home-health-care-insurance): Why home health coverage matters.
- [Finding Resources for Seniors](/blog/finding-resources-for-seniors): Community resources for food, prescriptions, and housing.
- [Senior Mobility](/blog/senior-mobility-staying-safe-and-independent): Fall prevention and staying independent.
- [Staying Active After 60](/blog/staying-active-community-involvement): Community involvement and wellness.

## Optional

- [Privacy Policy](/privacy-policy)
- [Terms of Service](/terms-of-service)