How to Start Engaging Potential Clients for Senior Care (and Why It Matters)

What Is Colorado PACE and Why It MattersColorado PACE (Program of AllInclusive Care for the Elderly) is a Medicarecontracted health plan specially designed to serve older adults (age55+) and younger individuals who are dually eligible for Medicareand Medicaid in Colorado. Its mission is simple yet transformative: provide comprehensive medical and social care so participants can stay in their homes and communities instead of moving to nursing homes.Unlike traditional Medicare Advantage or Part D plans, Colorado PACE combines Medicare and Medicaid services into one unified program. It handles all Medicarecovered services, all Medicaidcovered longtermcare expenses, and other necessary services as determined by its interdisciplinary care teamwith no copays or deductibles for approved services Colorado Health Care Policy.How Colorado PACE Serves as a Medicare ProviderA Health Plan with a Medicare ContractColorado PACE operates as a Medicarecontracted health plan. Medicare pays a monthly capitation (permember payment) that covers nearly all standard covered services. Medicaid or private pay covers longterm care elements for eligible participants Colorado PACEIntegrated Care by an Interdisciplinary TeamEvery participant is assigned a care teamprimary physician, nurses, therapists, social workers, dietitians, home care aides, transportation drivers, and morewho coordinate full continuum of both medical and social services within Colorado PACEs networkCoverage That Goes Beyond MedicareWhile Medicare typically covers standard services and prescription drugs, Colorado PACE goes further by including adult day services, meals, transportation, rehab therapies, homedelivered meals, dental, mental health services, durable medical equipment, and longterm nursing home care if medically necessaryall under one umbrella.No Additional Premiums or Copays (for Medicare & Medicaid Eligibles)If you're dually eligible for Medicare and Medicaid, you pay nothing for Colorado PACEs services: no plan premium, no copays, no deductibles. If you have only Medicare (not Medicaid), you pay a monthly premium for longterm care portion and for Medicare Part Dbut still no copays on approved services.Who Qualifies for Colorado PACE?To enroll in Colorado PACE: Be age55 or older, or younger with qualifying disability. Live in a PACE service area in Colorado (e.g. Aurora, Denver metro, Boulder, Pueblo, Montrose, Delta)  Be certified as needing nursinghome level care, based on a state assessment. Be able to live safely in the community with PACE support at the time of enrollment  Even those who dont qualify for Medicaid may enrollthough they pay privately for the portion Medicaid would have coveredEnrollment Process: Step by Step Referral & Intake: Contact Colorado PACE (tollfree 8887881241) or via website. An enrollment specialist visits your home or caregiver to explain the program and collect info. Financial & Functional Eligibility: Determine Medicaid status and perform statecertified nursinglevel care assessment Colorado PACE. IDT Assessment: Interdisciplinary Team meets you and caregiver to discuss medical, functional, and social care needs, and collaborates on care planning. Enrollment Agreement: Once eligibility confirmed, sign paperwork, agree to receive all care via Colorado PACE, and choose the enrollment start date (typically first of the next month). Pros and Cons: Informed Decision MakingPros All-in-one coordinated care: PACE acts as insurer and primary provider. No fragmented billing: Medicare and Medicaid handled within PACE, reducing oversight and confusion. Preventive services and community engagement: Adult day centers, therapy, social activities improve quality of life and delay higher-level care. Supports caregivers: transportation, respite, home support relieve family burden. Cons Provider network limited: Must use Colorado PACE doctors and partners; your current physician may not be retained unless in network. Once enrolled, you cannot have Medicare Advantage, Part D or Medigap: losing these options may impact your benefits if you leave PACE. Varies by organization: quality and experience can differ depending on local oxygensome Reddit users noted administrative complexity or varied care levels depending on provider agency  Why Search for Colorado PACE Medicare Provider?Colorado PACE registers as a Medicare provider in that it holds a federal contract to deliver all Medicarecovered benefits to eligible seniors, as part of its capitation model. Google searches like Colorado PACE Medicare provider, PACE Medicare in Colorado, or Colorado PACE does Medicare pay are likely to return the official site (coloradopace.org), senior health directories, CMS and Medicare.gov pagesall highlighting that PACE is both a Medicarefunded and providerbased benefit Colorado PACE.SEO Keywords and Phrases to IncludeMake sure your content naturally includes: Colorado PACE Medicare provider Colorado Program of AllInclusive Care for the Elderly Medicare PACE Colorado eligibility How does Colorado PACE work with Medicare Comprehensive senior care Colorado PACE Medicare and Medicaid services Real User PerspectivesSeveral caregivers and PACE participants share that enrolling in Colorado PACE was life-changing: It covers a lot including adult day care and some memory care facilities PACE reimburses facilities at a higher rate than Medicaid, noted one caregiver. Another described PACE as an integrated health care provider their providers take over all your care (including dentists, specialists, etc.)Final ThoughtsColorado PACE is much more than a supplement to Medicareits a full-service healthcare provider for older adults needing complex care coordination. It represents a powerful model that merges Medicare, Medicaid, and long-term care under one umbrella, emphasizing independence, quality of life, and cost predictability.If you're exploring "Colorado PACE Medicare provider" and want to know how to qualify, enroll, or maximize its benefits, understanding this seamless MedicareandMedicaid integration is key. For more information or to begin the enrollment process, visit [coloradopace.org] or call 8887881241 to speak with a Colorado PACE Enrollment Specialist. This editorial should offer SEO-rich content and clarity for anyone looking to understand the role of Colorado PACE as a Medicare providerhighlighting its structure, eligibility, benefits, process, realworld feedback, and search visibility strategy.

Suppose youre an early retiree living on a fixed income. In that case, 2026 brings confirmed changes you need to understandespecially around staying under the 400% Federal Poverty Level (FPL) to maintain ACA premium subsidies.The Two Key Updates:Enhanced ACA tax credits will expire after 2025.Congress has now passed legislation letting the expanded premium tax credits (originating in the American Rescue Plan and extended by the Inflation Reduction Act) lapse beginning in 2026.The subsidy cliff returns in 2026. With enhanced credits eliminated, the traditional cutoff at 400% FPL is reinstated, and crossing that threshold could result in the loss of all subsidy eligibility, leading to significant premium increases. What Early Retirees Should Know On-Exchange (Marketplace) Plans:Subsidy eligibility will once again be limited to households at or below 400% FPL. Exceeding that income level in 2026 could mean losing all premium assistance and facing significantly higher costs.Off-Exchange Plans:These are direct-to-carrier, full-price planswith no subsidies or Marketplace involvement. Silver options might offer better pricing directly through the carrier than on the Marketplace.Consider Smart Income Planning:To retain subsidies, many early retirees are working with both their broker and financial advisor to manage how income is recognized throughout the yearsuch as timing withdrawals or shifting income sourcesto remain under the 400% FPL threshold.This is not financial advicejust a reminder to consult trusted professionals. Aligning your retirement income strategy with your healthcare needs can help maintain premium support until you become eligible for Medicare.Why It Matters:Exceeding 400% FPL in 2026 could result in hundreds of dollars more per month in premiums.With no Medicare yet, coverage costs could remain high for years.Thoughtful income planning now can preserve subsidies during your critical early retirement years.Final Thoughts:As an early retiree, planning is essential. Your health coverage and income are deeply interconnected, primarily through 2026 and beyond.To navigate these changes successfully:-Consult both your financial advisor and your health insurance broker-Monitor your FPL percentage annually.-Strategize income timing and coverage decisions together. If youd like to explore your optionsor are curious how this applies to your householdplease feel free to reach out to us at Baker Consulting Services at 724-594-7648.  

Think estate planning is only for the wealthy or elderly? Think again. If you own anything a home, a car, a savings account, even a pet you already have an estate plan. The only question is: Did you create it, or will your state do it for you?When someone passes away without an estate plan, state laws take over, deciding who gets what and when. This legal process may not reflect your wishes. Thats why taking control of your assets through a personal estate plan should be a top priority.At its core, estate planning is about clarifying your wishes and making things easier for your heirs. It ensures your assets are distributed according to your preferences, designates who will make decisions on your behalf if you can't and provides guidance for your care in a medical crisis. Most plans include four key components: A Will This document outlines how your assets should be distributed after your death and names an executor to oversee the process in probate court. It can also designate guardians for minor children. Keep in mind that a will doesnt cover everything certain transfer on death (TOD) accounts and jointly held property may bypass your will entirely. Power of Attorney If you become incapacitated, youll want someone you trust to be able to make decisions on your behalf. A durable power of attorney designates such a person, helping to ensure your bills are paid, your business continues (if you have one) and your wishes are honored. Health Care Directive Sometimes called a living will, this document spells out your preferences for medical treatment if you're unable to speak for yourself. It can also designate someone to make health care decisions for you. Beneficiary Designations Accounts like 401(k)s, IRAs, and life insurance policies transfer directly to the people you name, regardless of what your will says. Its essential to review these beneficiary designations regularly, especially after significant life events such as marriage, divorce, death of a spouse or the birth of a child. One common myth is that a will is all you need. But wills only take effect after death; they dont help if youre alive but unable to make decisions. Another misconception is that estate planning is only for the wealthy. In truth, planning is about more than money its about making things easier for the people you love during difficult times.An effective estate plan can prevent costly legal battles, reduce confusion and give your loved ones a clear roadmap to follow. It also allows you to leave a legacy that reflects your values and priorities.As your life changes, your estate plan should change along with it. Review your documents every few years or after major life events. Its often a good idea to seek help with such reviews. Your financial advisor or attorney can guide you through the process, ensuring your plan fits your unique circumstances.In the end, estate planning isnt just about planning for what happens when you are gone. Its about feeling confident, knowing that what matters most your family, your purpose, your legacy is protected.Chad Choate III, AAMS 828 3rd Avenue West Bradenton, FL 34205 941-462-2445 chad.chaote@edwardjones.com Edward Jones, its employees and financial advisors cannot provide tax or legal advice. You should consult your attorney or qualified tax advisor regarding your situation.