Every service listed below is fully covered under your PACE health insurance plan — no surprise bills, no coverage gaps, and no need to coordinate between multiple insurers. One plan. Everything included.
Your PACE insurance plan provides complete medical and hospital coverage — from routine primary care visits to complex specialist consultations and extended inpatient hospital stays. Unlike traditional Medicare, which leaves significant gaps in coverage and requires multiple supplemental policies, PACE consolidates all medical insurance into one seamless plan managed by your dedicated care team.
Every covered member has access to a board-certified primary care physician, 24/7 on-call nurse support, and a full interdisciplinary team that coordinates all aspects of your medical care. Emergency room visits, surgeries, and post-acute care are all covered without prior authorization delays.
All hospital admissions, surgeries, and overnight stays are fully covered — no deductibles or co-insurance.
Unlimited visits to your PACE primary care physician, including same-day appointments when needed.
Cardiology, neurology, orthopedics, and all other specialists — coordinated and covered by your plan.
Emergency room visits and urgent care are covered anywhere in the country — no network restrictions.
PACE provides comprehensive prescription drug coverage that goes far beyond standard Medicare Part D plans. Every medication prescribed by your PACE care team is covered under your insurance plan — including specialty drugs, biologics, insulin, and chronic disease medications that often carry high out-of-pocket costs under traditional insurance.
There are no formulary tiers, no prior authorization delays for PACE-prescribed medications, and no coverage gaps (the "donut hole" that affects standard Part D plans). Your medications are dispensed directly at the PACE center or delivered to your home.
Generic, brand-name, and specialty medications — all covered with no tier-based cost sharing.
All insulin types and diabetes management medications covered at $0 — no insulin caps or restrictions.
Medications can be delivered directly to your home when you cannot travel to the PACE center.
Your PACE pharmacist reviews all medications for interactions and optimizes your drug regimen regularly.
Mental health is an essential part of overall health for older adults, yet traditional Medicare severely limits mental health coverage — capping sessions, requiring high cost-sharing, and often excluding critical services like dementia care support. PACE provides unlimited mental health coverage as a core benefit of your insurance plan.
Our licensed therapists, social workers, and psychiatrists work as part of your interdisciplinary care team — meaning mental health care is fully integrated with your physical health management. Caregiver support and family counseling are also covered under your plan.
One-on-one sessions with a licensed therapist — no session limits, no referral required.
Structured group sessions for depression, anxiety, grief, and social connection — included in your plan.
Specialized cognitive support programs for members with Alzheimer's and other forms of dementia.
Family members and caregivers receive counseling support — covered as part of the member's plan.
Rehabilitation services are critical for seniors recovering from surgery, stroke, falls, or managing chronic conditions. PACE provides unlimited physical, occupational, and speech therapy — with no visit caps, no prior authorization requirements, and no cost-sharing for eligible members.
Your PACE rehabilitation team works alongside your primary care physician and specialists to create a personalized therapy plan focused on restoring and maintaining your independence, mobility, and quality of life. Therapy is delivered both at the PACE center and in your home when needed.
Strength, balance, and mobility training to prevent falls and restore function after injury or surgery.
Daily living skills, adaptive equipment, and home safety modifications to support independent living.
Communication, swallowing, and cognitive rehabilitation for stroke survivors and those with neurological conditions.
When traveling to the PACE center is not possible, therapists come to your home — all covered under your plan.
Long-term care is one of the most significant uninsured risks for older Americans. Traditional Medicare does not cover custodial or personal care services, and private long-term care insurance is expensive and difficult to obtain. PACE includes comprehensive long-term and home care as a core benefit of your insurance plan — at no additional premium for eligible members.
Personal care aides assist with bathing, dressing, grooming, and daily activities — both at the PACE center and in your home. Our goal is to support your independence and help you remain living in your own community for as long as possible.
Certified aides assist with bathing, dressing, grooming, and personal hygiene at home or the PACE center.
Skilled nurses and therapists visit your home for ongoing health monitoring and care management.
Short-term inpatient or in-home respite care is covered to give family caregivers a needed break.
If nursing facility care becomes necessary, PACE coordinates and covers the cost as part of your plan.
Dental care, vision, and hearing are three of the most significant coverage gaps in traditional Medicare — yet they are among the most important health needs for older adults. Poor oral health is linked to heart disease and diabetes; untreated vision and hearing loss accelerate cognitive decline. PACE covers all three comprehensively as part of your insurance plan.
Coverage includes not just examinations and basic care, but also corrective devices — eyeglasses, contact lenses, dentures, hearing aids, and cochlear implants — that most Medicare plans exclude entirely.
Cleanings, fillings, extractions, root canals, dentures, and dental implants — all covered under your plan.
Annual eye exams, prescription eyeglasses, contact lenses, and treatment for glaucoma and cataracts.
Comprehensive hearing evaluations, hearing aids (all styles), fittings, and ongoing adjustments covered.
Regular screenings for oral cancer, glaucoma, macular degeneration, and age-related hearing loss.
Lack of transportation is one of the most common barriers to healthcare access for older adults. PACE eliminates this barrier entirely by providing safe, reliable, door-to-door transportation to the PACE center and all covered medical appointments — fully included in your insurance plan at no additional cost.
Our accessible vehicles are equipped for members with mobility limitations, wheelchairs, and walkers. Drivers are trained in senior care and safety protocols. Transportation is scheduled in advance and can be arranged on short notice for urgent appointments.
Daily round-trip transportation to and from the PACE center for all scheduled programs and care.
Transportation to specialist visits, hospital appointments, labs, imaging, and pharmacy pickups.
All vehicles are ADA-compliant with ramps, lifts, and securement systems for wheelchairs and scooters.
Advance scheduling and same-day urgent ride requests accommodated by our transportation coordinators.
Proper nutrition is a cornerstone of health for older adults — yet it is completely absent from traditional Medicare coverage. PACE includes daily nutritious meals at the PACE center, home meal delivery programs, and individualized nutritional counseling from a registered dietitian as part of your comprehensive insurance plan.
Meals are prepared fresh daily by our culinary team under the supervision of a registered dietitian, accommodating all dietary restrictions, cultural preferences, and medical nutrition therapy needs. Members with diabetes, heart disease, kidney disease, or dysphagia receive specially tailored meal plans.
Fresh, balanced breakfast and lunch served daily at the PACE center — included in your coverage.
Meals delivered to your home on days you don't attend the center — hot or frozen options available.
Individualized nutrition plans for diabetes, heart disease, kidney disease, and weight management.
Meals accommodate religious, cultural, and personal dietary preferences — including halal, kosher, and vegetarian.
Social isolation is one of the greatest health risks facing older adults — equivalent in impact to smoking 15 cigarettes a day. PACE addresses this through a rich calendar of social activities, wellness programs, and community events that keep members engaged, connected, and thriving. All programs are included in your PACE insurance plan.
The PACE center serves as a vibrant community hub where members gather daily for activities, exercise classes, arts and crafts, music, games, and celebrations. Our social workers and activity coordinators ensure every member has meaningful engagement tailored to their interests and abilities.
Arts & Creative Programs
Painting, crafts, music therapy, and creative writing — promoting cognitive health and self-expression.
Fitness & Exercise Classes
Chair yoga, gentle aerobics, strength training, and balance classes — adapted for all ability levels.
Social Events & Celebrations
Holiday parties, cultural celebrations, birthday events, and community outings — keeping life joyful.
Educational Programs
Health education workshops, technology classes, and lifelong learning opportunities for curious minds.