Families who need low-cost health coverage and who cannot qualify for Medicaid can get insurance for their children through the Children’s Health Insurance Program, also known as CHIP.
If you earn too much to qualify for Medicaid coverage CHIP is a cheap alternative to regular health policiesbut the exact terms of the program vary from state to state because it is not administered at the federal level.
Therefore, the price of coverage differs across the country, but there are some areas where the costs are consistent. Routine medical and dental visits are always free under CHIP, and you will not be charged more than 5% of your family’s annual income.
However, some states choose to charge a monthly premium for CHIP coverage and may require copayments for certain services.
What is covered by CHIP health insurance policies?
As mentioned, some features are still covered by CHIP, with all states required to provide a full package for children. The following is included:
– Routine checks
– Visits to the doctor
– Dental and vision care
– Inpatient and outpatient hospital care
– Laboratory and radiology services
– Emergency services
To check exactly what additional coverage is offered in your state, the government’s InsureKidsNow online portal lists options for families in your area.
Who is eligible for health care under the Children’s Health Insurance Program?
The exact eligibility requirements for the program are defined by the state in which coverage is claimed. Coverage can be requested at any time of the year. If you have applied for Medicaid coverage through your state health authority, you should also have been informed if your household is eligible to receive assistance from CHIP.
– Call 1-800-318-2596 (or TTY: 1-855-889-4325)
– Apply through the Federal Government Health Insurance Marketplace
The Health Insurance Marketplace is an initiative introduced at the federal level that notifies claimants of their eligibility for a variety of health care support programs in their state.
If you submit your contact information to the HealthCare.gov online portal, you will be notified if you are eligible for Medicaid or CHIP assistance. You will then be informed of the steps to follow for your application to join the children’s health insurance program.