About LIFE

“Living Independence for the Elderly,” or LIFE, is a Pennsylvania program that provides comprehensive health and support services to seniors who wish to continue living independently in the community. Unlike other health plans, LIFE is both its members’ insurer and their provider.

Program Highlights

LIFE’s exciting and comprehensive features – features above and beyond the typical health plan – help make it possible for seniors to remain in their homes.  This means:
  • no costs - no premiums, no co-pays, no deductibles
  • free prescription drugs
  • comprehensive medical services
  • home services such as meals, help with bathing and dressing, light housekeeping, laundry, chores, home modifications, and medical equipment and supplies
  • a day center at which members can eat, receive medical care, and participate in activities
  • free transportation to doctor appointments, the LIFE day center, and some other destinations outside your home


  • age 55 or older
  • medically eligible to participate in a LIFE program
  • financially eligible to participate in a LIFE program, or have the ability to privately pay
  • reside in an area served by a LIFE provider
  • be able to be safely served in the community as determined by a LIFE provider

Costs for Members

LIFE members who are eligible for Medicare and Medicaid pay nothing – no premiums, no co-pays, and no deductibles.  You pay nothing for prescriptions, medical equipment and supplies, transportation to the LIFE day center and outside appointments, home delivery of meals, and food at the LIFE center.  These benefits are far superior to those of the typical health plan.

Personal Care and In-Home Services

Many people who have reached this point in their lives face obstacles to their independence, so unlike other health plans, LIFE offers a variety of in-home services, including:
  • home aides to help you with bathing, grooming, dressing, laundry, light housekeeping, and chores like grocery shopping
  • home modifications such as grab bars or ramps
  • medical equipment and supplies
  • free delivery of meals to your home

Medical Services

LIFE does a lot of the work for you, providing or arranging for every medical service you may need.  That means no more making calls to schedule doctors’ appointments or to arrange for transportation.  LIFE takes care of this for you.  Everyone has their own needs, so LIFE and the medical services LIFE offers includes:
  • primary and preventive care, behavioral, specialist, and emergency care
  • doctors and nurses available and on-call to help you 24 hours a day, 7 days a week
  • vision (including glasses), dental, foot, and hearing care (including hearing aids)
  • home health care and hospital care
  • prescriptions
  • physical, occupational, recreational, cognitive, and speech therapies
  • nutrition counseling
  • medical imaging - x-rays, MRIs, and CAT scans
  • laboratory services
  • medical equipment and supplies
  • skilled nursing care and rehab services

LIFE Day Centers

Unlike other health plans, every LIFE program has a day center located in your community.  Staffed by doctors, nurses, and other health care professionals, these centers are places where you can:
  • see your doctor or nurse
  • receive physical, occupational, speech, or cognitive therapy
  • receive therapy and counseling
  • meet with a dietician
  • participate in health education programs
  • participate in recreational and cultural activities
  • eat free meals and snacks
  • participate in fitness programs
  • receive help showering or bathing
  • spend time with other LIFE members


LIFE provides free transportation to the LIFE day center and appointments and other destinations.  This is all coordinated by your personal LIFE care team.

Support for Families and Caregivers

Your care may involve more than your doctors, nurses, and LIFE staff; your family may be involved as well.  LIFE offers services to help family members, too, including:
  • education, training, and counseling
  • social services and supports
  • respite care
  • regular communication with members of your LIFE care team
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