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About Us

Way Maker Insurance Group is an independent insurance agency based in Cumming, Georgia, serving individuals and families across North Georgia: Forsyth, Cherokee, Hall, Dawson, Lumpkin, Pickens, Gilmer, Fannin, Union and White counties, plus north Gwinnett and north Fulton. We help people understand and choose their Medicare, health, life, and retirement coverage — in plain language, at no cost, and with no pressure to decide anything on the spot.

Who you’ll be working with

Way Maker is led by Joshua Heizer, a licensed insurance agent and Georgia native. When you call, you get Joshua — not a call center, and not a different stranger every time. He sits with you, compares the realistic options side by side, and explains them until they make sense. And he’s still the one who answers the phone after you’re enrolled, whenever a question comes up.

Watch · 1 min 35 sec

Why working with a Medicare advisor costs you nothing
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Here's something that surprises a lot of retirees when they find out. If you work with a licensed Medicare advisor, you don't have to pay them anything. Not a consultation fee, not a service fee, nothing out of your pocket ever. See Medicare agents are paid, but they're going to be compensated through the insurance company, not by you. So when an agent helps you get on a plan, they're going to get a commission.

Now that commission is already built into the system. So it doesn't change your premium. It doesn't cost you extra. It's just how the structure works. Now, why does this matter?

Because it means there's no good reason not to use one. A good independent advisor can shop multiple insurance companies, compare plans side by side. They can explain the differences between Medicare supplement and Medicare Advantage, help you with your drug plan, and be there for you year after year as the Medicare landscape changes. And remember, it's going to change every single year. Now the key word there is independent.

See, an independent agent isn't locked into one insurance company. They can show you options across multiple carriers and help you find what actually fits for your unique situation. Not just what one company happens to offer. So if you've been navigating Medicare on your own because you didn't want to pay for help, you don't have to. The help is free. That's what I'm here for.

Why independent matters

Because the agency is independent, we can compare plans from many carriers rather than representing just one. That means the recommendation starts from your situation — your doctors, your medications, your budget — and works toward the coverage that fits, not the other way around.

The Heizer family on a Florida beach

Joshua is married to his beautiful wife & business partner Rosalie and they have been blessed with four wonderful and gifted children. In their spare time they love traveling, especially to the mountains and the coast. They love Jesus and live their lives by faith.

Book A No-Cost Consultation Call

If you would rather hear it from clients than from us, what other people say collects their words — and links straight through to the Google reviews themselves.

Way Maker Insurance Group · 431 Vision Drive, Suite F201, Cumming, GA 30040
770-765-7007 · Monday–Saturday 8:00 AM–7:00 PM · ★ 5.0 on Google

Way Maker Insurance Group is not connected with or endorsed by the United States government or the federal Medicare program.

Watch · 1 min 54 sec

How to spot fear-based sales tactics in Medicare
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Unfortunately, there's a tactic being used in the Medicare space right now that I want you to know about. It works like this. You're watching a video or you're talking to an agent and they spend a lot of time telling you how dangerous one type of Medicare plan is. They paint a scary picture.

They use words like trap and risk and nightmare. They make you feel like if you're on that plan, something terrible is about to happen to you. Let's shine light on this. Here's what's actually going on.

See, fear is one of the most effective ways to get someone to take action quickly. And in Medicare, where the stakes feel high and the system is already confusing, it works incredibly well. Sometimes when someone is scared, they're gonna make irrational decisions. Now, the vast majority of Medicare agents out there are honest professionals who genuinely want to help you.

But unfortunately this tactic exists and it's more common than most people realize. So here's how you can spot an honest advisor. A good advisor presents both options, Medicare Supplement and Medicare Advantage. They're going to explain how each one works and help you figure out which one fits your specific and unique situation. If someone is only telling you about the dangers of one side without giving you the full picture, that's a red flag. You deserve complete information not a sales pitch dressed up as education.

Watch · 1 min 48 sec

Captive or independent — the question to ask any Medicare agent
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When you sit down with a Medicare agent or get on the phone with one, there's one question people never think to ask, and the answer to it determines everything about the kind of help you're about to get. The question is, are you a captive agent or an independent agent? Here's the difference. A captive agent works for one insurance company. They can only show you that company's plans.

If that company's plans aren't the best fit for your situation, too bad. That's all they have. Unfortunately because of this, they just can't add the most value to you. Their hands are just tied. Now in contrast, an independent agent isn't employed by any single insurance company.

They're contracted with multiple carriers and can shop across different plans to find what actually fits your budget, your health situation, your doctors and your medications. So think about it this way. If you walked into a Ford dealership and asked what's the best vehicle for your needs, they're going to tell you a Ford, right? Not because they're lying to you, because that's all they sell. But if you want someone who can compare Ford, Toyota, Honda, and Chevy side by side and tell you honestly which one fits your life, now that's a different conversation.

Medicare works the same way. The person helping you should be able to show you multiple options for multiple companies, not just one carrier and what they offer. So before you commit to working with anyone on your Medicare coverage, ask them how many insurance companies they represent. The answer will tell you a lot.