Getting older can bring new challenges, especially when it comes to health care and long-term support. Doctor visits, medications, therapy, and getting to appointments can all feel overwhelming, especially for seniors who want to keep living at home. That’s where PACE (Program of All-Inclusive Care for the Elderly) can help.
PACE is a special program from Medicare and Medicaid that provides coordinated health care through one team. Doctors, nurses, and helpers work together to provide seniors with the support they need, from checkups and prescriptions to home care and meals. Care is provided at PACE centers, in the home, and around the community.
We’ll walk you through who qualifies for PACE, what services are included, cost factors, the enrollment process, and how to switch if you're already enrolled in a Medicare Advantage plan. Whether you're caring for yourself or a loved one, you'll have a better understanding of how PACE works and how it could support your needs. Let’s start with the basics: who can sign up for PACE?
Even if you or a loved one already receives care or assistance, PACE could be the next step for more support, better coordination, and peace of mind.
To join PACE, participants must meet the following requirements:
Note: PACE is open to adults starting at age 55, but Medicare typically begins at age 65 (unless you qualify early due to disability). If you are under 65 and don’t have Medicare or Medicaid, you’ll be considered a private-pay participant.
If those four requirements are met, the next question is: what exactly does PACE provide to support your health and independence?
PACE covers everything you'd normally get through Medicare and Medicaid, and often more. These are the kinds of services you can expect:
This kind of coordinated care helps you live safely at home, with support that’s tailored to your needs. So what does it cost to receive all of this through PACE?
Costs depend on your income and Medicaid eligibility:
The PACE team will explain any costs upfront, so there are no surprises.
Now that you know the basics and costs, let’s look at how to get started.
Whether you're new to Medicare or switching from a Medicare Advantage plan, enrolling in PACE is a straightforward process. Here's how it works:
PACE services start on the first day of the month after enrollment. Your care team will create a personalized plan that supports your health, independence, and daily life.
Navigating long-term care options can feel overwhelming, but you don’t have to do it alone. Whether you're planning for yourself or helping a loved one, PACE offers coordinated care, personal support, and the ability to remain at home safely with dignity. Taking a little time to explore your options now can lead to big benefits down the road. If you’re ready to learn more or take the next step, these resources can help:
Social Security Act: PACE Provisions
Medicare
Website: PACE at Medicare.gov
Phone: 1-800-MEDICARE (1-800-633-4227)
Medicaid
Website: PACE at Medicaid.gov
For state-specific info, contact your state’s Medicaid office
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