No. LifeCare is not insurance. It does not pay your hospital, doctor, or other medical bills. LifeCare is a membership program that helps you reduce or eliminate your out-of-pocket costs for deductibles and co-pays that your insurance does not pay for ambulance service provided by TRAA or another Allen County participating ambulance service. LifeCare also helps reduce the amount you have to pay for medically necessary ambulance service if you don’t have insurance, or if your insurance doesn’t cover ambulance service.