PACE Program: Care at Home for Seniors

    Seniors & Special Groups
    May 13, 2026
    3 min read
    By BenefitKarma Team

    The PACE program helps seniors get medical care and support to live at home. Learn who can join, what services they get, and how it can help save money.

    What you'll learn

    • What the PACE program is and who it's for.
    • What kind of medical care and support you get.
    • How much the PACE program costs.
    • How to find a PACE program near you.

    The PACE program is a special way for older people to get all the medical care and support they need, often so they can keep living in their own homes. Instead of going to a nursing home, PACE helps you stay independent in your community.

    Who Can Join PACE?

    To be part of the PACE program, you need to meet a few simple rules:

    • You must be 55 years old or older.
    • You live in an area where there's a PACE program.
    • Doctors say you need a nursing home level of care. This doesn't mean you have to go to a nursing home, just that your health needs are like someone who would.
    • You can live safely in the community with the help from PACE.

    What Services Does PACE Offer?

    PACE is designed to give you all the care you need. It brings together many different doctors and helpers to work as one team for you. This team will get to know you and your needs very well. Some of the things PACE can help with include:

    • Doctor visits and medical care: This includes your regular doctor, specialists, and even trips to the hospital if needed.
    • Nursing care: Nurses can help with medicines, wounds, and other health issues.
    • Help at home: This might be someone to help with bathing, dressing, or cooking.
    • Physical therapy: Exercises to help you move better and stay strong.
    • Meals: PACE can help make sure you get healthy food.
    • Transportation: Rides to your doctor appointments or the PACE center.
    • Social activities: Ways to meet other people and have fun.
    • Medicines and medical equipment: Like wheelchairs or oxygen.

    The goal is to give you everything you need so you can stay in your home and community.

    How Much Does PACE Cost?

    The cost of PACE can be different for everyone. Many people in PACE have Medicaid. If you have Medicaid, you usually don't pay anything for the PACE program. If you have Medicare, you might pay a monthly fee for your medicines. If you don't have either, you would pay a monthly fee for the full program. No matter what, you won't have any extra bills for the services that PACE covers.

    How to Apply for PACE

    It's easy to find out if PACE is right for you:

    1. Find a PACE program near you: You can visit the official PACE website or call your local Area Agency on Aging. They can tell you if there's a program in your town. For example, some states have many programs, you could learn more by visiting a local program's website.
    2. Talk to them: Once you find a PACE program, you can call them. They will answer your questions and help you understand if you can join.
    3. Get an assessment: If you seem like a good fit, a team will come to your home to talk with you and your family. They want to learn about your health and what kind of help you need.

    If you meet all the rules and they believe you can live safely at home with their help, you can join the program.

    Bottom line

    The PACE program is a great choice for many seniors who need extra care but want to stay in their own homes. It offers many services all in one place and can make managing your health much easier. By exploring if a program is available near you, you could find the support you need to live comfortably and independently.

    Not sure what you qualify for?

    A quick conversation can help you understand your options.

    Check My Eligibility Free

    Optional — no obligation, fees may apply

    Listen

    Listen to this article

    Want help figuring out your next step?

    Optional — fees may apply depending on your situation.

    Some people choose to talk to a professional before taking their next step.

    This might sound familiar:

    You're not sure what to do next

    You want someone to walk through your options

    The process feels overwhelming

    Carefully screened professionals
    No obligation to proceed
    Your info stays private until you consent

    If that sounds like you, this might be worth a quick look.

    Takes less than a minute

    We only share your info with a service provider if you say yes.

    Get More from BenefitKarma

    Create a free account to unlock all features

    • Access premium benefit tools
    • Personalized benefit matching
    • Your personalized dashboard
    Sign Up Free

    Common questions about this guide

    Frequently asked questions

    Get more from BenefitKarma

    Free tools, personalized dashboard & more

    Sign Up

    Your Privacy Matters

    We use cookies for site analytics and to improve your experience. Marketing and personalization stay off unless you opt in. Privacy Policy. You can customize your preferences anytime.