Is LifeX Insurance?

Why LifeX is a health data and research organization, and how Research Associates access employee health benefits.

It is one of the most common questions about LifeX Research. The short answer: no. LifeX Research Corporation is a health data and research organization, not an insurance company. This post explains how the role and the benefits fit together.

LifeX collects and analyzes health data to advance longevity, healthy aging and overall wellness for everyone. Its mission is to improve health and reduce healthcare costs for the American workforce by proactively addressing conditions that lower quality of life.

Research Associates are part-time W-2 employees of LifeX Research who voluntarily take part in health data collection activities, such as surveys, wellness videos, quizzes and logging vitals. Activities are completed when requested in the Employee Wellness Hub (EWH), a secure, personal online portal. Most take 15 minutes or less, and Research Associates earn $40 per hour for the time spent.

Research Associates who qualify for employment can enroll in the LifeX employee health benefit plan. The plan is:

• An ERISA-governed, self-funded employee health benefit plan, not an insurance product
• Governed by federal law (ERISA) rather than state insurance rules
• Administered by TPA Exchange, the plan administrator, which handles claims and benefits
• Available only through employment with LifeX Research

• PHCS PPO: the in-network option in every state except New York and New Jersey
• MagnaCare PPO: the only in-network option in New York and New Jersey

Always confirm with a provider's office that they accept the network shown on your ID card before scheduling care.

• Preventive care paid at 100% of the allowable amount in-network
• 24/7 telemedicine through OurLiveDoc
• Prescription benefits
• Humana dental and vision, available to add at enrollment

Individual health data is never sold. LifeX shares only population-level, anonymized insights with Research Partners, the external organizations that collaborate on LifeX research.

Is LifeX an insurance company?

No. LifeX Research Corporation is a health data and research organization.

Is the plan health insurance?

No. It is an ERISA-governed, self-funded employee health benefit plan, available through employment.

Who processes claims?

TPA Exchange, the plan administrator. LifeX Research does not process claims or provide medical advice.

Does everyone qualify?

No. Benefits are available to Research Associates who qualify for employment. Every application is reviewed.

For full plan details, coverages and exclusions, refer to your plan documents and Summary of Benefits and Coverage (SBC). Questions? Contact your certified recruiter.