Yes. Medicare has paid for professional healthcare navigation (Principal Illness Navigation and Community Health Integration services) since January 2024. Part B covers about 80% and a Medigap plan typically covers the rest, so most members in Coles County pay $0. We confirm your exact coverage before your first session, and there are no surprise bills.

Per CMS enrollment data for 2025, Coles County had 10,527 Medicare beneficiaries: 4,887 on Medicare Advantage plans (46.4%) and 5,640 on Original Medicare, with about 2,091 dual-eligible for both Medicare and Illinois Medicaid. Understood Care advocates work with both: Original Medicare members usually pay $0 through Part B plus a supplement, and we confirm Medicare Advantage coverage plan by plan before any work begins.

Per the US Census Bureau's American Community Survey, about 3,285 of Mattoon's 16,334 residents are 65 or older (20.1%), within a county of roughly 8,444 seniors (Coles County). Most become Medicare-eligible at 65, and every one of them has the same federal benefits an advocate helps put to work.

Per CMS Timely & Effective Care data (period ending 09/30/2025), the median ER visit at Sarah Bush Lincoln Health Center runs about 210 minutes; Illinois's statewide median is 173 minutes. An advocate cannot shorten an ER line, but avoiding the ER for non-emergencies is advocate work: same-week appointments, urgent-care routing, and follow-up coordination.

No. Understood Care is fully virtual, delivered by phone, video, and secure messaging, so it works the same in Mattoon as anywhere else in Illinois's 102 counties. If leaving home is hard, that is exactly the situation the service is built for.

Advocates work virtually and are matched to you, not to a zip code. You get one dedicated advocate with their direct phone, email, and text (One Advocate, For Life), and they work with Illinois's programs, the state's Medigap timing (the 2025 birthday rule for ages 65 to 75, plus an under-65 disability Medigap protection), SHIP counseling (Illinois's free Senior Health Insurance Program), the Medicare Savings Programs the Department of Healthcare and Family Services runs with an income and asset test, and the Home Services Program and Community Care Program paid-caregiving paths, plus the county services that apply in Coles County.

Those run through Illinois Medicaid, not Medicare. Illinois's Home Services Program (run by the Department of Human Services) is consumer-directed and can pay a family member, though not a spouse, to provide personal care so a person can stay home; the Community Care Program (run by the Department on Aging) covers homemaker and adult-day services for seniors 60 and older, though it does not pay a family member directly. Families we serve in Champaign-Urbana and Eastern Illinois use both. Our advocacy is billed through Medicare, so for dual-eligible families the split works well: you run the caregiving and the Medicaid paperwork, and your parent's advocate handles the Medicare side.

In Illinois we are in-network for Original Medicare (traditional fee-for-service Medicare); Aetna Medicare Advantage plans (~31% of Illinois MA members); UnitedHealthcare Medicare Advantage plans (~21% of Illinois MA members); Blue Cross and Blue Shield of Illinois (HCSC) Medicare Advantage plans (~5% of Illinois MA members). Together that covers roughly 79.6% of Illinois's Medicare beneficiaries. Market-share data: 2025. Plan networks change, so we confirm exactly what your plan covers before any work begins - no surprise bills.