Children Deserve Great Healthcare
A child health insurance plan, even if you can’t afford a family health plan, may be available so you can get health insurance just for child coverage. It is called CHIP (Children”s Insurance Program), a government insurance program funded through Medicaid for which your child may qualify even if you don’t qualify for Medicaid yourself.
Eligibility Requirements For CHIP
Applicants must live in the state in which they apply, be 18 years of age or younger or be the primary caregiver with a child or children 18 years of age and younger as well as being a US Citizen, or a non-citizen legally entered into the US, be uninsured and ineligible for Medicaid. There are certain income requirements to qualify but in some cases people can pay a small fee and be enrolled in the CHIP program.
The CHIP Program Covers a Wide Range of Services
All or most of the following are typically included in CHIP programs:
- Routine check-ups
- Prescription drugs
- Dental care
- Vision and eye care
- Maternity care
- Mental health benefits
- Up to 90 days hospitalization/year
- Durable medical equipment
- Substance abuse treatment
- Partial hospitalization for mental health services
- Rehabilitation therapies
- Home health care
- Hospice and palliative services
- Medically necessary orthodontia
- Autism spectrum disorder and related services
Get Started Now Comparing Rates
Applicants who are accepted into the CHIP program of their state are offered different options for health and dental care. Each state’s CHIP program must meet federal guidelines but each state has different selections from which to choose. Child only health insurance plans are available through each state’s Medicaid/CHIP program and information, applications and qualifications are available there.
Can a legal guardian apply for CHIP benefits?
Yes, if you are the legal custodian appointed by a court, you may apply for CHIP benefits. Affordable health insurance for child only is available to children not with their biological parent
In some states and for some programs the cost is nothing, for others there may be a small annual fee or a copay for certain services. By federal regulation costs are limited to no more than 5% of income.
CHIP vs. Medicaid?
The two programs were designed to provide healthcare for children who were uninsured because they had no other options available or because they or their family could not afford coverage. The difference between the programs is a matter of the way the state chooses to fund the program.
Have a job and wonder if your children may still be eligible?
Eligibility for child only health insurance is based on the income of those with whom the children live. Persons may have a job and still qualify if they meet the income guidelines. Children are eligible up to their 19th birthday.
ConsumerCoverage is your source for all insurance needs and questions. Contact us for help.