Joshua Heizer is an independent insurance agent based in Cumming, Georgia, helping individuals and families across North Georgia and licensed in states across the country. He works with Medicare, health coverage before 65, life insurance, long-term care and retirement income — plain-language guidance at no cost.
The short answer: final expense insurance is a small permanent life policy sized to cover a funeral and the bills that follow, rather than to replace an income. It does not expire, the premium stays level, and the health questions are short or absent. The trade is that per dollar of coverage it is expensive…Read More
The short answer: after 65, life insurance stops being about replacing a paycheck and starts being about specific gaps — a surviving spouse’s income drop, final expenses, a debt that would outlive you. Many people need less than they think. Some need it for the first time. The honest way to decide is to name…Read More
The short answer: retiring before 65 means buying your own health coverage for a known number of years, and health insurance is usually the largest cost people fail to budget for. The bridge has two halves: covering the gap years, and handing off cleanly to Medicare. Both are planned before you retire, not after. Key…Read More
The short answer: losing job-based health coverage opens a special enrollment window of about 60 days to buy your own plan — and it runs from the date coverage ends, not from the day you get around to it. You have three routes: continuing the employer plan, an ACA Marketplace plan, or a private plan…Read More
The short answer: the temporary expansion that removed the income ceiling on Marketplace premium tax credits expired on 1 January 2026. The original rule is back: above 400% of the federal poverty level, the credit is zero — not smaller, zero. One dollar of income over the line can change what a plan costs for…Read More
The short answer: No — Medicare does not pay for assisted living. Not the apartment, not the meals, not the daily help with bathing and dressing that defines it. What Medicare continues to cover is your medical care while you live there: doctor visits, hospital stays, covered therapy, even hospice. The residence itself is entirely…Read More
The short answer: Yes — durable medical equipment is a core Part B benefit: oxygen equipment, CPAP machines, walkers, wheelchairs, hospital beds, and more, when a doctor orders them for use in your home. You pay the usual 20% after the deductible. The detail that decides whether the process is smooth or maddening is the…Read More
The short answer: Yes — hospice is one of the most complete benefits Medicare offers. When a doctor certifies a terminal illness with a prognosis of six months or less and the focus shifts to comfort, Part A covers essentially everything: the hospice team, comfort medications, equipment, aide support, and counseling for the family —…Read More
The short answer: Medicare covers dermatology when it is medical — evaluating a suspicious spot, treating skin cancer, managing conditions like severe psoriasis or chronic infections. It does not cover an annual full-body screening as a standalone preventive benefit, and it never covers cosmetic work. The practical translation: a changing mole gets you covered care…Read More
The short answer: Medicare covers podiatry when it is medical: treating injuries and diseases of the foot, surgery for conditions like bunions or hammertoe when necessary, and — critically for people with diabetes — regular foot exams and even therapeutic shoes. What it does not cover is routine care: ordinary nail trimming, corns, and calluses.…Read More
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Way Maker Insurance Group is not connected with or endorsed by the United States government or the federal Medicare program.
