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Living Independence
for the Elderly

CONTACT US
TO LEARN MORE
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What is 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.

When you enroll in LIFE, you may be required to use a LIFE-preferred doctor.

To find out if you’re eligible for a LIFE program,
call one of our LIFE Centers.

Lancaster

417 West Frederick Street
Lancaster, PA 17603

Main: (717) 381-4320
Toll-Free: 866-601-5433
TTY: 711

Directions

Lebanon

113 S. 9th Street
Lebanon, PA 17042

Main: (717) 376-1133
Toll-Free: 855-803-2525
TTY: 711

Directions

Lycoming

901 Memorial Avenue
Williamsport, PA 17701

Main: (570) 322-5433
Toll-Free: 866-907-5433
TTY: 711

Directions

  • LIFE Lancaster Service Area

    – All of Lancaster county
    – Partial coverage of Chester county. Please see the zip codes listed below.

    • 19310
    • 19311
    • 19316
    • 19318
    • 19320
    • 19330
    • 19335
    • 19341
    • 19343
    • 19344
    • 19345
    • 19346
    • 19347
    • 19348
    • 19350
    • 19351
    • 19352
    • 19353
    • 19354
    • 19357
    • 19358
    • 19360
    • 19362
    • 19363
    • 19365
    • 19366
    • 19367
    • 19369
    • 19370
    • 19371
    • 19372
    • 19374
    • 19375
    • 19376
    • 19381
    • 19390
    • 19395
    • 19397
    • 19398
    • 19399
    • 19421
    • 19425
    • 19465
    • 19475
    • 19520

  • LIFE Lebanon Service Area

    – All of Lebanon county

  • LIFE Lycoming Service Area

    – All of Lycoming county
    – All of Union county
    – One zip code in Northumberland county (17777)
    – Partial coverage of Clinton county. Please see the zip codes listed below.

    • 16822
    • 16848
    • 17721
    • 17738
    • 17745
    • 17747
    • 17748
    • 17750
    • 17751
    • 17760
    • 17764
    • 17767
    • 17773
    • 17778
    • 17779

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How Does LIFE work?

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.

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Who Can Get LIFE?

You can have either Medicare or Medicaid, or both, to join LIFE. LIFE is only available in some states that offer LIFE under Medicaid. To qualify for LIFE, you must:

  • Be 55 or older
  • Live in the service area of a LIFE organization
  • Need a nursing home-level of care
    (as certified by your state)
  • Be able to live safely in the community with help
    from LIFE

You can leave a LIFE program at any time.

LIFE provides all the care and services covered by Medicare/ Medicaid if authorized by your health care team. If your health care team decides you need care and services that Medicare/ Medicaid doesn’t cover, LIFE may still cover them.

  • Health and Medical Services

    May include the following:

    – LIFE Center primary care
    – Dentistry
    – Emergency services
    – Hospital care
    – Laboratory/x-ray services
    – Medical specialty services
    – Nursing home care
    – Nutritional counseling
    – Occupational therapy
    – Physical therapy
    – Prescription drugs

    If you join a LIFE program, you’ll get your Part D-covered drugs and all other necessary
    medication from the LIFE program. You don’t need to join a separate Medicare
    Prescription Drug Plan. If you do, you’ll be disenrolled from your LIFE health and
    prescription drug benefits.

    – Preventative Care

  • Other Services LIFE May Provide

    – Home Care
    – Meals
    – Social services, including caregiver training, support groups, and respite care
    – Social work counseling
    – Transportation to the LIFE Center for activities or medical appointments, if medically necessary.

    You may also be able to get transportation to some medical appointments in the community.

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What You Pay for LIFE Depends on Your Financial Situation

If you have Medicaid, you won’t pay a monthly premium for the long-term care portion of the LIFE benefit. If you don’t qualify for Medicaid but you have Medicare, you’ll be charged these:

  • A monthly premium to cover the long-term care
    portion of the LIFE benefit
  • A premium for Medicare Part D drugs
  • There’s no deductible or copayment for any drug,
    service, or care approved by your health care team.
  • If you don’t have Medicare or Medicaid, you can
    pay for LIFE privately.