For more information about the author, click to view their website: InnovAge Colorado PACE Northern Colorado
In Loveland, Northern Colorado, many older adults share the same goal: stay independent, stay connected, and stay at home for as long as possible. What often gets in the way isn’t motivation—it’s the complexity of healthcare itself. Multiple doctors. Conflicting instructions. Transportation challenges. Insurance confusion. Family members trying to coordinate it all from different directions.
That’s where PACE changes the equation.
InnovAge Colorado PACE – Northern Colorado offers a comprehensive, team-based model of care that brings medical care, long-term services, social support, and insurance coordination under one roof. Designed for seniors who qualify for Medicare and/or Medicaid and need a higher level of coordinated care, PACE simplifies life by replacing fragmented systems with one integrated program.
As Nancy Seidel from InnovAge Colorado PACE Northern Colorado explains, “PACE is about wrapping care around the person—not making the person chase care. When everything is coordinated, seniors can focus on living, not logistics.”
This article takes a fresh, locally focused look at how the PACE model helps Loveland seniors remain independent while receiving comprehensive, coordinated care through Medicare and Medicaid.
As health needs increase, care often becomes more complicated—not less.
Families in Northern Colorado commonly struggle with:
Multiple specialists who don’t communicate
Frequent appointments at different locations
Transportation challenges
Confusing insurance coverage
Medication overlap or errors
Caregiver burnout
Even well-meaning systems can feel disjointed. Seniors end up managing appointments instead of enjoying life—and families become full-time coordinators.
PACE was created to solve exactly this problem.
PACE stands for Program of All-Inclusive Care for the Elderly. It’s a Medicare- and Medicaid-funded program designed for seniors who:
Are typically age 55 or older
Live in the community (not a nursing home)
Are eligible for nursing-home–level care
Want to remain living at home
Qualify for Medicare, Medicaid, or both
PACE combines healthcare, long-term care, and social services into one coordinated program—often at little to no cost for those who qualify.
PACE replaces a patchwork of providers with one interdisciplinary care team that knows the participant personally.
That team may include:
Primary care providers
Nurses
Therapists
Social workers
Care coordinators
Transportation staff
Home care professionals
All care decisions are made collaboratively, with the participant at the center.
Instead of juggling appointments across town, seniors receive much of their care through the PACE center—supported by in-home services when needed.
For Loveland seniors, having coordinated care locally matters. InnovAge Colorado PACE Northern Colorado helps participants by:
Coordinating medical care and specialists
Managing medications safely
Providing transportation to appointments
Offering therapies and wellness services
Supporting daily living needs
Reducing unnecessary hospital visits
Nancy Seidel notes, “When care is coordinated, we see fewer emergencies, better outcomes, and more confidence from participants and families.”
A common misconception is that accepting help means losing independence. PACE flips that idea.
By providing consistent support, PACE helps seniors:
Stay safely in their own homes
Maintain daily routines
Avoid frequent hospitalizations
Reduce caregiver stress
Feel secure knowing help is always available
Independence isn’t about doing everything alone—it’s about having the right support in place.
Family caregivers often carry the invisible weight of coordination—appointments, prescriptions, transportation, and constant worry.
PACE eases that burden by:
Serving as a single point of contact
Handling care coordination and insurance
Providing regular updates and communication
Offering respite and in-home support
Reducing crisis-driven decisions
Families frequently say they finally feel like they have a partner—not another responsibility.
Families often explore PACE when:
Health needs are increasing
Appointments feel unmanageable
Hospital visits are becoming frequent
Caregivers feel overwhelmed
Staying at home is the goal—but support is needed
Exploring PACE early allows families to plan thoughtfully rather than reacting in crisis.
If you’re considering PACE in Loveland, it’s helpful to ask:
Who qualifies for the program?
What services are included?
How does Medicare and Medicaid coverage work?
What does a typical week look like?
How are families involved in care planning?
Education is key to understanding whether PACE is the right fit.
No. PACE serves individuals with Medicare, Medicaid, or both—eligibility depends on several factors.
PACE provides primary care through its own medical team and coordinates specialty care as needed.
Yes. Supporting seniors at home is a core goal of PACE.
Yes. Transportation to PACE-related appointments and services is typically included.
Costs vary based on Medicare/Medicaid eligibility. Many participants pay little to nothing out of pocket.
When care is coordinated, seniors can focus on living well instead of navigating systems. For Loveland families seeking a Medicare- and Medicaid-supported option that brings healthcare, support, and independence together, PACE offers a powerful alternative.
To learn more about eligibility and services, visit the InnovAge Colorado PACE – Northern Colorado listing on Seniors Blue Book and connect with their team to see if PACE is the right fit for your family.
When an older adult needs help at home and sees several clinicians, a coverage decision can affect everything from prescription refills to rides. If youre considering TRU PACE in Lafayette, start by asking how enrollment would change the care and coverage you already use. How Medicare and Medicaid Fit Into PACEPACE is the Program of All-Inclusive Care for the Elderly. It coordinates healthcare and support for eligible adults who meet a state standard for nursing home-level care and can live safely in the community with PACE support at enrollment. Applicants must also be 55 or older and live in the programs service area. TRU PACE and Your Current CoveragePhone: 303-665-0115Medicare says people with Medicaid pay no monthly PACE premium. Medicare beneficiaries without Medicaid pay premiums for the long-term care portion and Medicare Part D drugs. Medicare also says participants owe no deductible, copayment, or coinsurance for drugs, services, or care approved by their PACE team. Ask TRU PACE for an estimate based on your individual coverage before enrolling. Doctors, Prescriptions, and Existing ServicesTRU PACE says it becomes the participants insurance provider at enrollment. Participants generally receive care through the programs provider network. Bring a list of your doctors, medications, and scheduled services. Ask which providers are in the network and how the team would coordinate any changes. Why This Matters in LafayetteIf you regularly see a clinician near home or have a specialist visit scheduled outside Lafayette, give the enrollment team the names and dates. Ask which appointments can continue and what to do about any refill due around the enrollment date. How to Get Started1. Gather Your Coverage InformationHave your Medicare and Medicaid information, if applicable, along with details of any current plan. List the appointments and prescriptions you rely on most.2. Ask for an Enrollment and Cost ReviewCall TRU PACE and ask for your expected monthly cost, when any coverage change would take effect, and who would help coordinate the transition. Related Seniors Blue Book CategoriesPACE Adult Day Services Care Management
After a death, families may have to make several decisions in a short time. Others prefer to talk through their wishes ahead of time. In either situation, it helps to separate the practical arrangements from the decisions about how to gather, remember, and say goodbye. What Funeral and Mortuary Services CoverA funeral home can help arrange transportation and care of the person who died, assist with paperwork, and coordinate burial or cremation. A family may also arrange a viewing, funeral, memorial, or private gathering. Ask which decisions need to be made immediately and which can wait. The Natural Funeral in LafayettePhone: 720-515-2344The Natural Funeral lists natural burial, flame cremation, water cremation, and terramation, also called natural organic reduction. Water cremation uses an alkaline water process, and terramation transforms remains into soil. If one of these options interests you, ask what the process involves, how long it typically takes, and what the family receives afterward. Planning a Gathering and Reviewing CostsThe Lafayette funeral home is at 102 W Chester Street in Old Town. Ask what can take place at the Lafayette location and which parts would involve another venue or a cemetery. Request a General Price List and a written breakdown of your choices so you can see which fees cover the funeral homes work and which come from outside providers. Why This Matters in LafayetteIf relatives are coming from out of town or some guests have limited mobility, ask about parking, step-free access, and how many people the gathering space can accommodate. If you plan to hold a service and burial at different locations, check how much time guests will need between them. How to Get Started1. Write Down the Persons WishesLook for written instructions and note any cultural or religious preferences. If youre planning ahead, tell a trusted person where you keep your instructions and whom to call.2. Ask for a Written PlanCall 720-515-2344 and ask what is needed on the first call. Once youve discussed options, request the expected timeline and itemized costs before approving arrangements. Related Seniors Blue Book CategoriesCounseling Hospice Advance Care Planning
When an older adult spends most weekdays alone, families may need more than a place for them to go. They may also be juggling transportation, appointments, and help at home. TRU PACE in Lafayette offers a day center as part of a program that coordinates those needs for eligible older adults. What Are Adult Day Services?Adult day services offer daytime support outside the home. Depending on the program, participants may spend time with peers, eat a meal, take part in activities, or receive help with daily needs. Some centers accept people directly. The Lafayette TRU PACE center serves people enrolled in its broader Program of All-Inclusive Care for the Elderly. TRU PACE in LafayettePhone: 303-665-0115TRU PACEs Lafayette center is at 2593 Park Lane. The program coordinates medical and social services and arranges transportation to the day center and medical visits as needed. Ask the enrollment team what a typical center day includes, how often a participant might attend, and how the team decides what support to arrange at home. Who May QualifyPACE applicants must be at least 55, live in the programs service area, meet the states standard for nursing home-level care, and be able to live safely in the community with PACE support at enrollment. Ask how enrollment would affect access to current doctors and prescription coverage before making a decision. Why This Matters in LafayetteWhen family members already drive someone to several appointments a week, a coordinated schedule can change who needs to be available and when. Ask how pickup would work at the persons Lafayette address and who to call if a ride or appointment changes. How to Get Started1. Ask for an Eligibility ReviewCall TRU PACE. Have the participants ZIP code, current coverage, and a short list of the help they need. 2. Ask to Visit the CenterFind out what the participant might do on a center day, how transportation works, and what changes to their current care arrangements enrollment would involve. Related Seniors Blue Book CategoriesCare Management Transportation Respite Care
For over 35 years, providing complete connected senior healthcare in Northern Colorado: Loveland, Fort Collins, and Greeley.As seniors age, staying independent, active, and connected to the community becomes increasingly important. However, navigating complex healthcare needs, transportation challenges, and social isolation can make that difficult. Thats where InnovAge Colorado PACE (Program of All-Inclusive Care for the Elderly) comes in helping seniors continue living safely in their own homes, surrounded by the people and community they love.Located in Loveland, Colorado, the Colorado PACE center opened in 2015 and proudly serves seniors across Fort Collins, Greeley, Loveland, and neighboring communities throughout Weld and Larimer counties. The program includes medical, dental, social activities, and physical therapy -all under one roof-making life easier, healthier, and more fulfilling for seniors and their families. InnovAge PACE has locations in Loveland, Denver, Lakewood, Thornton, Aurora and Pueblo. And if you have Medicare and Medicaid coverage, the InnovAge PACE program is available at no cost to you.To learn more, call 970-775-9714
For over 35 years, providing complete connected senior healthcare in Northern Colorado: Loveland, Fort Collins, and Greeley.As seniors age, staying independent, active, and connected to the community becomes increasingly important. However, navigating complex healthcare needs, transportation challenges, and social isolation can make that difficult. Thats where InnovAge Colorado PACE (Program of All-Inclusive Care for the Elderly) comes in helping seniors continue living safely in their own homes, surrounded by the people and community they love.Located in Loveland, Colorado, the Colorado PACE center opened in 2015 and proudly serves seniors across Fort Collins, Greeley, Loveland, and neighboring communities throughout Weld and Larimer counties. The program includes medical, dental, social activities, and physical therapy -all under one roof-making life easier, healthier, and more fulfilling for seniors and their families. InnovAge PACE has locations in Loveland, Denver, Lakewood, Thornton, Aurora and Pueblo. And if you have Medicare and Medicaid coverage, the InnovAge PACE program is available at no cost to you.To learn more, call 970-775-9714