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Primary Adult Care Program

Primary Adult Care (PAC) is offered to individuals age 19 and over living in Maryland who are not eligible for Medicaid, yet still need health insurance and are unable to afford standard medical services. In operation since 2006, PAC provides primary care services to adults with limited earnings. To qualify, you cannot be on Medicare, and you must be either a single adult or a childless couple. This program provides members with free visits to a family doctor, outpatient mental health care (visits to a psychologist or psychiatrist), and prescription drugs for free or a low copay.

Enrolling in PAC is a great way to take care of yourself and prevent larger health problems from occurring. The program is designed to help adults in Maryland who need access to services a doctor can provide, and be able to avoid unmanageable medical expenses. If you are afraid to get sick because you are afraid it will cost too much, applying for PAC may be a wise decision. PAC even covers emergency room visits if they are deemed a true medical emergency. This program helps a large number of Maryland adults, and continues to provide necessary health care services to those who could use some financial assistance to stay healthy.


PAC Eligibility

Maryland residents who qualify for benefits through PAC must meet the income limits specified below. This program is designed for individuals with income less than or equal to 116% of the Federal Poverty Level. Those who qualify will also be a citizen of the United States or a qualifying alien, and between the ages of 19 and 65 – therefore not eligible for Medicare.



$1,097 monthly, $12,957 annually



$1,463 monthly, $17,551 annually


Covered Services

PAC will cover certain services in full, providing members with basic medical care for no cost. Other services are offered for a lower rate. As the name of the program suggests, this is not a comprehensive health insurance plan, and PAC covers mostly minor medical care. Some residents may qualify for Maryland Medical Assistance and are welcome to change plans at any time once they have been found eligible and applied for coverage.

  • Free primary care provider office visits
  • Free outpatient counseling or psychiatrist visits
  • Medical emergencies: PAC will cover the hospital bill but not emergency physicians or any other hospital stays
  • All Maryland Family Planning Program services (except tubal ligation)
  • Free or low-cost prescription medications (some require a copay)


How to Apply

To apply for the PAC program, you must fill out an application form by hand and mail it in once complete. You may request a form by phone at 800-226-2142, and it will be sent to your preferred address. Forms can also be printed and filled out. Once you have sent your application, the program inform you of your eligibility and you may proceed with enrollment.

Download an Application

Mail your completed form to:

PAC Program Application

PO Box 386

Baltimore, Maryland 21203-0386


If you qualify for PAC, you will receive and enrollment packet in the mail, along with a member identification card. You will then be required to select a Managed Care Organization to coordinate your care. The MCO you choose will be the source of your primary care provider, which you will also select. If you do not choose one personally, the program will designate a PCP for you.



Primary Adult Care (PAC) Program

Contact PAC






1. Maryland Department of Health and Mental Hygiene. “Primary Adult Care (PAC) Program”. http://mmcp.dhmh.maryland.gov/mpac/SitePages/Home.aspx.