Independent Medicare & Retirement Guidance
Medicare shouldn’t feel like a maze. Let’s walk it together.
Your options, explained in plain language — at no cost and with no pressure, so you can decide with confidence rather than guesswork. Working with many carriers rather than one means nothing gets left off the table.
You’re not alone in this
The mail, the calls, the conflicting advice — it’s a lot.
Turning 65 can bring a flood of confusing mailers and pushy phone calls. You’ve worked your whole life for this next chapter, and the choices in front of you are worth more than a sales script — so they get explained properly, by someone who’ll take the time.
Where are you today?
Find the path that fits you.
New to Medicare
Turning 65 or retiring soon? Walk through Parts A, B, C and D so you don’t miss a deadline — or a better option.
Already on Medicare
Premiums rising or your plan changing? What to check each year, so your coverage still fits your doctors and medications.
Retirement Income
Worried what you’ve saved won’t last? Look at how to turn it into income that keeps arriving after the paychecks stop.
Long-Term Care
The cost most retirement plans leave out. Understand the choices while you still have all of them.
Under-65 Health
Between jobs or self-employed? There are real options beyond the Marketplace. Let’s find one that fits your budget.
Life Insurance
Protect the people who depend on you — term, whole life and final expense, explained in plain language.
Also here for dental, vision and hearing, and supplemental coverage — hospital, accident and critical illness. And the 2026 Medicare Roadmap is yours to read at your own pace, at no cost.
Why work with me
What you actually get.
Help through enrollment
We compare your options across many carriers, then I handle the paperwork and confirm it went through. You are not left to file anything alone.
How enrolling works →The same person every time
The person who sets your coverage up is the one who answers when you call in March — and the one who re-checks it each fall. You never have to start over explaining your situation.
About Joshua →Education, ungated and at no cost
Guides, calculators and plain answers — none of it asks for your email first. Learn as much or as little as you want before we ever talk.
Learning Center →Learn at your own pace — always at no cost
The Learning Center
An educated decision is a confident one. Start with a guide or a checklist — no email wall to get the basics.
The 2026 Medicare Roadmap
Your timeline and the enrollment windows that matter — a plain-language guide you can read at your own pace.
Your Turning 65 Checklist
A simple, printable step-by-step so you know what to do and when — with nothing missed.
Medicare Calculators
Four plain-language calculators — what Medicare will cost you, whether an income surcharge applies, and what a late-enrollment penalty would add. No email required.
Annual Enrollment Checklist
Annual Enrollment runs October 15 to December 7. What to look at before you decide to keep your plan or change it.
When you’re ready to think beyond Medicare
Protect what you’ve built — and turn it into income you won’t outlive.
Retirement is more than a health plan. What you have saved has to keep growing, turn into income that lasts as long as you do, and hold up if care is ever needed — weighed in the same plain language as everything else.
How working together actually works
What does an independent broker actually do?
I am not employed by an insurance company. I hold appointments with many carriers, so I can compare what is genuinely available to you and place the coverage with whichever one fits. The comparing is the work. The paperwork is the easy part.
Do you work with every insurance company?
No, and no agent does. I am appointed with the carriers I have vetted and can service well. If your situation points somewhere I do not carry, I will tell you that rather than talk you into something I do.
What do you need from me to get started?
Your doctors, your prescriptions and your ZIP code. That is what actually decides the answer. We can have a useful conversation before you share anything else.
Do I have to buy something to talk to you?
No. If the coverage you already have is the right fit, I will tell you so and there is nothing to sign.
How I get paid
What does your help cost?
Nothing. The carriers pay me when someone enrolls, the same way they pay their own representatives. There is no fee, no retainer, and nothing added to your premium.
Would I pay less going straight to the insurance company?
No. The premium is the same whether you enroll through me or on your own. What changes is whether anyone compares the options with you first, and who picks up the phone if something goes wrong in year three.
How do I know you are not steering me to one company?
I am appointed with many carriers rather than captive to one, so I am not limited to a single company’s lineup. Ask why I recommended something and I will show you what I compared, including what I ruled out and why.
What happens after I am enrolled?
You keep my number. I re-check your coverage each fall before plans change for the next year, and if something comes up mid-year you are calling the person who set it up, not starting over with someone new.
No cost · no pressure · no obligation
Have a question? Let’s just talk.
Book a time that works for you, or call or text 770-765-7007. Whatever’s easiest — either way is fine.
Joshua HeizerLicensed insurance agent · NPN 20994383