Three doors, all worth knowing. For free, unbiased counseling on plans and enrollment, Utah's State Health Insurance Assistance Program, the Senior Health Insurance Information Program (SHIP), run by the Division of Aging and Adult Services and delivered through local Area Agencies on Aging, at 1-800-541-7735 (or the national SHIP line at 1-877-839-2675). For local services such as meals, rides, and in-home help, Richfield residents can turn to the Area Agency on Aging that serves Sevier County, one of Utah's 12, coordinated by the Division of Aging and Adult Services at 801-538-3910 (or use the national Eldercare Locator at 1-800-677-1116). And for one dedicated advocate who does the ongoing work with you, bills, denials, appointments, and benefits, Understood Care, covered by Medicare for most members and usually $0: call (646) 904-4027 or get started online.

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 Sevier County pay $0. We confirm your exact coverage before your first session, and there are no surprise bills.

Per CMS enrollment data for 2025, Sevier County had 4,712 Medicare beneficiaries: 2,194 on Medicare Advantage plans (46.6%) and 2,518 on Original Medicare, with about 410 dual-eligible for both Medicare and 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 1,159 of Richfield's 8,173 residents are 65 or older (14.2%), within a county of roughly 3,656 seniors (Sevier 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 Intermountain Health Sevier Valley Hospital runs about 129 minutes; Utah's statewide median is 129 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 Richfield as anywhere else in Utah's 29 counties. Where the nearest specialist is a long drive away, an advocate you can reach without the trip is often the practical option; 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 Utah's programs, SHIP Medicare counseling, the Medicare Savings Programs the Department of Workforce Services decides, and the Aging Waiver, and the local services that apply in Sevier County.

Utah's Aging Waiver serves people 65 and older who need a nursing-home level of care and qualify for Medicaid; you apply through the local Area Agency on Aging, and there is a waiting list. Its self-directed personal attendant option can pay a relative such as an adult child as the attendant, while a legal guardian cannot be paid. The New Choices Waiver helps adults 18 and older who need a nursing-home level of care move out of a nursing home, assisted living, or hospital after a qualifying stay, and the state-funded Alternatives program and the Utah Caregiver Support Program also run through the Area Agencies on Aging. Utah has no PACE program. Families we serve in Central Utah use these programs. Our advocacy is billed through Medicare, so for dual-eligible families the split works well: you run the caregiving, and your parent's advocate handles the Medicare side.

In Utah we are in-network for Original Medicare (traditional fee-for-service Medicare); UnitedHealthcare Medicare Advantage plans (~40% of Utah MA members). Together that covers roughly 68.9% of Utah's Medicare beneficiaries. Market-share data: 2024. Plan networks change, so we confirm exactly what your plan covers before any work begins - no surprise bills.