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.
417 West Frederick Street
Lancaster, PA 17603
Main: (717) 381-4320
113 S. 9th Street
Lebanon, PA 17042
Main: (717) 376-1133
901 Memorial Avenue
Williamsport, PA 17701
Main: (570) 322-5433
555 Fox Chase, Suite 106
Coatesville, PA 19320
Main: (484) 378-1215
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.
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
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.
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.
Albright LIFE Lancaster
417 W. Frederick Street | Lancaster, PA 17603
Local: (717) 381-4320 • TTY: 711
Call Us: 866-601-5433
Albright LIFE Lebanon
113 S. 9th Street | Lebanon, PA 17042
Phone: (717) 376-1133 • TTY: 711
Call Us: 855-803-2525
Albright LIFE Lycoming
901 Memorial Ave | Williamsport, PA 17701
Phone: (570) 322-5433 • TTY: 711
Call Us: 866-907-5433
Albright LIFE Chester
555 Fox Chase, Suite 106 | Coatesville, PA 19320
Phone: (484) 378-1215 • TTY: 711
Call Us: 855-427-5078