Joshua Heizer - Way Maker Insurance Group

All Posts By Joshua Heizer

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.

Medigap Plan G vs Plan N: How to Choose

The short answer: Plan G and Plan N cover almost the same things. The differences come down to three: Plan N charges small copays for office and emergency visits, Plan N does not cover Part B excess charges, and Plan N usually costs noticeably less each month. Plan G buys maximum predictability; Plan N trades…

What Is a Medicare Supplement (Medigap) Plan?

The short answer: A Medicare Supplement — Medigap — is a private policy that works alongside Original Medicare and pays most of what Medicare leaves behind: deductibles, coinsurance, and that uncapped 20% of doctor and outpatient costs. Plans are standardized by letter, so a Plan G is a Plan G no matter which company sells…

The Four Parts of Medicare, Explained in Plain Language

The short answer: Medicare has four parts. Part A covers hospital stays, Part B covers doctors and outpatient care, and together they make up Original Medicare. Part D adds prescription drug coverage. Part C — better known as Medicare Advantage — is a different way of receiving those same benefits through a private plan. Most…

Turning Savings Into Retirement Income You Won’t Outlive

The short answer: retirement income that lasts comes from balancing three kinds of money — guaranteed income to cover the non-negotiable bills, growth money for a retirement that can run thirty years, and liquid cash so you never have to sell investments in a down year. Products, including annuities, only enter where that plan shows…

Health Insurance Before 65: Your Real Options

The short answer: under 65, you have two main routes to your own health coverage — ACA Marketplace plans, which accept everyone and carry income-based help up to a hard income line, and private plans outside the Marketplace, which ask health questions but can offer strong value when your health is good. Which one fits…

How Much Life Insurance Do You Actually Need?

The short answer: enough that the people who depend on you could keep their life running without your income — and the way to find that number is the same for everyone: add up what the money has to do, then subtract what you already have in place. The rest of this guide walks through…

When Do I Sign Up for Medicare? The Timeline, in Plain Language

The short answer: most people sign up for Medicare during the seven-month window around their 65th birthday — the three months before their birthday month, that month itself, and the three months after — and enrolling in the first three months means coverage starts on time. Still working at 65 with employer coverage? Different rules…