Southwest Senior Advisors

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Farmington, NM
Southwest Senior Advisors

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We specialize in helping folks find the Health and Life Insurance products that are right for them

11/02/2026

AI can be a helpful starting point when you're researching Medicare, but we've noticed it pulling outdated figures or mixing up details from different plan years, and that can lead you down the wrong path when you're comparing your options. We use it ourselves for background work, but we always double-check the specifics because Medicare rules, premiums, and coverage change every year. If you've been using ChatGPT or another tool and want to verify what you found, or if something doesn't quite add up, send us a message or give us a call and we'll walk through it with you.

*Not affiliated with or endorsed by the Federal Government or Medicare program. Calling the phone number on this page will direct you to a licensed insurance agent

10/27/2026

This past weekend was something that we are sure nobody was expecting. The amount of devastation that has happened in our area was unprecedented and completely caught most of us off guard.

While we all work on helping lift each other up and move past this terrible experience and rebuild as a community we understand as Medicare insurance agents that this coincides with the Medicare Annual Enrollment Period, or AEP.

AEP runs until December 7th, and while that is a little ways away we know it will come quickly, especially if you are working on helping neighbors or yourselves rebuild. We want anybody on Medicare to know that whenever there is a declared state of emergency, those areas typically receive a ‘Special Election Period’ where they can make a change outside of the normal enrollment period. This is what will most likely happen for us here in San Juan County. We will keep you apprised of the official announcement for this Special Election Period, but just know that you have time to make those decisions and take care of yourselves and your loved ones.

We love this great community and are proud to be a part of it! We know that we will rally from this and be even better and stronger because of it. We are wishing everyone the best and praying for those who must rebuild.

God Bless,

Colton and Maquel Lusk

NOT AFFILIATED WITH OR ENDORSED BY THE GOVERNMENT OR FEDERAL MEDICARE PROGRAM

10/26/2026

If you're turning 65 soon, here are three things I'd focus on: compare Medicare Advantage and Medicare Supplement side by side instead of just going with what worked for someone else, call your primary care doctor to confirm they're in-network with the plans you're considering (not just that they accept it), and start early, at least three months before your birthday so you avoid gaps, penalties, and last-minute stress. We meet with people six months out, even a year out sometimes, just so they know what to expect and can make confident decisions when the time comes. If you or a parent are in that window, send us a message or give the office a call and we'll walk you through it.

*Not affiliated with or endorsed by the Federal Government or Medicare program. Calling the phone number on this page will direct you to a licensed insurance agent.

10/19/2026

If someone calls saying they're from your plan and need to review your coverage or tell you about extra benefits, here's what you need to know: your plan almost never calls you out of the blue, they send letters. If you already work with a local agent, they'll keep you updated on what's new and what matters for your coverage. You don't need to engage with unsolicited Medicare calls, period. If a call sounds official or mentions benefits that seem too good to pass up and you want to know if they're real, that's when you reach out to a local agent you trust. We're here in Farmington but licensed nationwide, so if you ever get a call that leaves you wondering, give us a shout and we'll help you sort out what's legitimate and what's not. Have you been getting more of these calls lately, or is there a specific pitch that keeps coming up?

*Not affiliated with or endorsed by the Federal Government or Medicare program. Calling the phone number on this page will direct you to a licensed insurance agent.

10/12/2026

We know navigating Medicare can feel overwhelming, especially when you're trying to figure out which coverage fits your health needs and budget best. That's exactly why we're here. Whether you're new to Medicare, approaching your Initial Enrollment Period, or wondering if your current plan still makes sense, we walk you through your options in plain English. We compare what's available in your area, explain how different plan types work, and help you find coverage that actually serves you. Have questions about your Medicare options? Send us a message or give us a call, we're happy to help.

*Not affiliated with or endorsed by the Federal Government or Medicare program. Calling the phone number on this page will direct you to a licensed insurance agent.

10/05/2026

Let's talk about three Medicare traps that can cost you big if you're not careful. First, don't take calls from random salespeople who dial you out of the blue, they usually work for just one company and rush through as many enrollments as they can without comparing what actually works for your situation. Second, compare all your options before you decide, make sure your doctors are in network, your prescriptions are covered, and you can afford both the premium and the copays that come with the plan. Third, don't miss your enrollment window, there are real penalties if you do and we never want to scare you with that, we just want you to know when to enroll so you get the coverage you need without extra costs. Working with an independent agent who takes the time to understand your needs makes all the difference. Have you compared your options lately, or are you getting ready to enroll for the first time?

*Not affiliated with or endorsed by the Federal Government or Medicare program. Calling the phone number on this page will direct you to a licensed insurance agent.

09/28/2026

It's still just September and we're hearing from a lot of clients who've seen posts saying their plan is disappearing or Medicare is ending in 2027. We want to clear that up right now. In September, we don't have details yet on what's changing, so most of what you're seeing online is rumor and speculation. What you should actually watch for are the official notices that will arrive in your mailbox from your current plan, those will tell you if something is changing with your coverage. October 1st is when we get the first real look at plan options for next year, and CMS typically releases Medicare premium and deductible details closer to the new year. We'll be sharing updates here as soon as we know what's confirmed, so if you want to stay in the loop without the noise, give us a follow and we'll keep you posted. Are you seeing some of these rumor posts too, what have you heard out there?

*Not affiliated with or endorsed by the Federal Government or Medicare program. Calling the phone number on this page will direct you to a licensed insurance agent*

09/15/2026

We know Medicare can feel overwhelming, and the fear of making a mistake and having a lifelong penalty keeps way too many people up at night. In this video Colton breaks down what the penalties actually are so that they aren't an ambiguous term that you keep hearing about. To make sure you don't miss a deadline find our last video all about enrollment timelines. Follow along for more Medicare tips and advice! *Not affiliated with or endorsed by the Federal Government or Medicare program. Calling the phone number on this page will direct you to a licensed insurance agent. TTY: 711.

09/10/2026

If you were married for at least 10 years and are now divorced, you may be eligible to claim Social Security benefits based on your ex-spouse's work record, even if they've remarried. This can be a valuable option if their benefit would be higher than your own, and the best part is that claiming on their record doesn't reduce what they receive. There are specific rules around timing, your current marital status, and how it coordinates with your own benefit, which is why it helps to talk through your situation with someone who knows the ins and outs. Maquel is a Registered Social Security Analyst and offers personalized Social Security reviews to help you understand all your options and make the choice that works best for your retirement. If you're divorced and wondering whether you qualify or how this might fit into your overall plan, send us a message or give us a call to learn more. * Not affiliated with or endorsed by the Federal Government or Medicare program. Calling the phone number on this page will direct you to a licensed insurance agent. TTY: 711.

Address

124 N. Orchard Avenue
Farmington, NM
87401

Telephone

+15054272244

Website

http://www.swsenioradvisors.com/

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