Albright Life

LIFE (Living Independence for the Elderly) is a Medicare/Medicaid program that helps people meet their health care needs in the community instead of going to a nursing home or other care facility. With LIFE, you have a team of health care professionals working with you and your family to make sure you get the coordinated care you need. Usually they care for a small number of people, so they really get to know you. LIFE covers all Medicare/Medicaid covered care and services, and other services that the LIFE team of health care professionals decides are necessary to improve and maintain your health. This may include drugs, as well as any other medically necessary care, like doctor or health care provider visits, transportation, home care, hospital visits, and even nursing home stays when necessary. What you pay for LIFE depends on your eligibility under Medicare and Medicaid. If you are eligible for Medicaid, or dually eligible for Medicare and Medicaid, you won’t pay a monthly premium for LIFE. If you don’t qualify for Medicaid, but you have Medicare, you’ll be charged a monthly premium for LIFE. If you don’t have Medicare or Medicaid, you can pay for LIFE privately. However, in LIFE, there’s never a deductible or copayment for any drug, service, or care approved by the LIFE team of health care professionals. Participants must receive all needed health care services, including primary care and specialist physician services (other than emergency services), from Albright LIFE or an entity authorized by Albright LIFE. Participants may be held financially liable for unauthorized, non-emergency services.