UNDER 65
Coverage before Medicare.
Not on Medicare yet? Get help with health insurance through the Marketplace or other options for people under 65.
Ask about under-65 coverageWhidbee Insurance Group · Elizabeth City, NC
Medicare made clear.
Help from someone
you can call.
Terrance Whidbee helps people in northeastern North Carolina and Hampton Roads, Virginia understand their Medicare options and choose with confidence. There is no cost for his help.
He also helps with under-65 health, life, dental and vision coverage.
Terrance WhidbeeLicensed insurance advisor since 2015 · Elizabeth City, NC
Terrance WhidbeeWhidbee Insurance Group
Proudly serving veterans and military families
Meet your agent
Real questions.
A personal conversation.
Terrance Whidbee is a licensed insurance advisor and the founder of Whidbee Insurance Group, established in 2015. He specializes in Medicare Advantage and Medicare Supplement plans, along with life insurance, final expense coverage and mortgage protection.
Inspired by his own family’s struggles navigating insurance, Terrance is dedicated to educating seniors and helping them make informed decisions. From his office in Elizabeth City, he works with clients across northeastern North Carolina and Hampton Roads, Virginia, and he is licensed in North Carolina, Virginia, South Carolina, Georgia and Florida.
Personal and close to home
Helping families from his Elizabeth City office since 2015. You work with Terrance himself, not a call center.
No cost for his help
There is no charge to talk with Terrance or get his guidance. He is paid by the insurance companies he represents.
Here all year
Questions after you enroll? Bills, doctors, prescriptions or a letter you don’t understand, just give him a call.
Medicare help
Everything Medicare, in one place.
Whether you’re turning 65 or have had Medicare for years, start here. And if you’d rather just talk it through, Terrance is a phone call away.
Annual Enrollment
October 15 – December 7
This is the time each year to review your Medicare Advantage or drug plan and make changes for next year. Plans and costs can change every year, so a quick review is worth it.
Medicare dates to know
Turning 65
7-month window
The 3 months before your 65th birthday month, your birthday month, and the 3 months after.
Annual Enrollment
October 15 – December 7
Anyone with Medicare can review and change their Medicare Advantage or drug plan. Changes start January 1.
Medicare Advantage Open Enrollment
January 1 – March 31
If you have a Medicare Advantage plan, you can make one change to a different plan or back to Original Medicare.
Moving, losing other coverage, or qualifying for extra help may let you make changes at other times. Not sure where you stand? Call Terrance at 252-254-1243.
Common Medicare questions
I’m turning 65. Where do I start?
A good time to start is about 3 months before your 65th birthday month. Terrance can explain how Medicare Part A and Part B work, whether you need to sign up through Social Security, and what your plan choices are.
What’s the difference between Medicare Advantage and a Medicare Supplement?
A Medicare Advantage plan is an all-in-one plan from a private insurance company that takes the place of Original Medicare. Many include drug coverage and extra benefits, and most use a network of doctors. A Medicare Supplement works alongside Original Medicare to help pay costs like deductibles and coinsurance, and you usually add a separate drug plan. Terrance can help you compare based on your doctors, medicines and budget.
Can I keep my doctors?
It depends on the plan. Many Medicare Advantage plans use a network of doctors. Tell Terrance which doctors you see, and he will check which plans they work with before you decide anything.
Can I get help paying for Medicare costs?
You may qualify. Extra Help, also called the Low-Income Subsidy, lowers prescription drug costs. Medicare Savings Programs, run through your state’s Medicaid office, can help pay your Part B premium and other costs. Eligibility depends on your income and resources. Terrance can explain these programs and how to apply.
I have VA or TRICARE benefits. Do I still need Medicare?
Many veterans keep their VA benefits and add Medicare, since VA benefits generally cover care at VA facilities or approved providers. If you have TRICARE For Life, you generally need Medicare Part A and Part B to keep it. Every situation is different, so bring your VA or TRICARE information when you talk with Terrance.
What to have handy for your conversation
- Your Medicare card and any insurance cards you have now
- A list of your medicines and how often you take them
- The names of your doctors and specialists
- The pharmacy you like to use
- Any other coverage, like VA, TRICARE, Medicaid or a plan from work
Please share these during your conversation, not on the website form.
Rather look at plans on your own?
You can browse plans online through Terrance’s PlanEnroll page. It opens a separate website. If you get stuck, just call Terrance and he’ll walk you through it.
Ready to talk it through?
No cost, no pressure. Just straight answers about your Medicare options.
Other coverage
Help beyond Medicare.
Terrance also helps individuals and families with health coverage before Medicare, life insurance, and dental and vision plans.
LIFE
The people you love.
Explore life insurance, final expense coverage, and mortgage protection with your family, priorities, and budget in mind.
Ask about life insuranceDENTAL
A reason to smile.
Discuss dental coverage, including questions about providers, covered services, and plan costs.
Ask about dental insuranceVISION
A clearer view.
Explore vision insurance and ask about benefits for eye exams, glasses, and contacts.
Ask about vision insuranceCoverage options
Some of the popular insurance companies we represent
Carrier and plan availability varies by location and coverage type.
How it works
Three simple steps.
STEP 01
Tell us what you need.
Choose a coverage topic and share how you’d like to be contacted.
STEP 02
Talk through your questions.
Discuss your priorities, available options, and what to consider.
STEP 03
Decide how to proceed.
Review the details before deciding whether to apply for coverage.
Let’s connect
Your next step
starts here.
Choose the coverage you’d like to discuss and your preferred contact method.
Email[email protected]
Phone252-254-1243
Office524 S Road St
Elizabeth City, NC 27909
Elizabeth City, NC 27909
Business hours9:00 AM–6:00 PM
Contact Terrance to confirm office availability.
Contact Terrance to confirm office availability.
Pick a time to talk.
Choose a day and time that works for you. You’ll get a confirmation with the details.
Need a longer meeting? Book a 1-hour appointment
Service areaNorth Carolina · Virginia
South Carolina · Georgia · Florida
South Carolina · Georgia · Florida
Common questions
A few quick answers.
Does it cost anything to talk with Terrance?
No. There is no cost to meet with Terrance or get his help. He is paid by the insurance companies he represents, and your plan costs the same whether or not you use an agent.
Which states does Terrance serve?
Terrance’s office is in Elizabeth City, NC, and he works with many clients in northeastern North Carolina and Hampton Roads, Virginia. He is licensed in North Carolina, Virginia, South Carolina, Georgia and Florida. Product and plan availability varies by location.
Can we meet by phone?
Yes. Many people talk with Terrance by phone. Call 252-254-1243 or book a time that works for you, and he’ll take it from there.
Can I enroll online?
Some plans can be explored online through Terrance’s PlanEnroll page (opens in a new tab). Available plans, eligibility and enrollment steps depend on the product and your situation. If you’d like help, just call Terrance.
Does requesting information enroll me in a plan?
No. A request for information is not an application and does not enroll you in coverage.