LifeCare is a membership program not insurance. As a membership program, LifeCare lets you have control over how much you have to pay out of your pocket for your local participating ambulance service whether you have insurance or not. LifeCare doesn’t pay your bill like insurance, but guarantees that you pay less out of your own pocket for medically necessary emergency or non-emergency ambulance service than if you were not a LifeCare member. As a LifeCare member, TRAA or your participating township ambulance service will bill your insurance for you and accept what your insurance pays as payment in full. You owe no balance out of your pocket (see the Membership Agreement for complete terms). Make sure you review the complete Membership Agreement Terms for exceptions and specific requirements.