If you are looking for health coverage for your children you should consider CHIP Children’s Health Insurance. Stay with us, in this article you will learn How to apply for Medicaid for children.
What is CHIP?
CHIP is a low-cost health coverage program cost aimed at children from families whose income is too high to apply for Medicaid. In other words, with CHIP your children will be able to obtain medical coverage if your income exceeds the minimum established by the Medicaid program. Also, in some states, this program covers pregnant women too.
CHIP is a federal and state program that works in conjunction with Medicaid.
Each state is charged with operating its own CHIP. In many states, this program has a different name. For example: Healthy Families (California), Child Health Plus (New York), Hoosier Healthwise (Indiana), etc.
Keep reading: What is the difference between Medicaid and Medicare?
How do I know if my children are eligible for CHIP?
Eligibility requirements may vary by state program. However, you can apply or enroll in CHIP or Medicaid at any time of the year. The good news is that if they qualify, you won’t have to buy private insurance for your children. Therefore, it is worth a try.
Keep reading: Medicaid Income Chart
How to apply for Medicaid for children
There are two ways to apply for CHIP:
- Call 1-800-318-2596 (TTY: 1-855-889-4325).
- Complete an application for insurance through the Health Insurance Marketplace. If anyone in your family qualifies for Medicaid or CHIP, the information will be sent to your state agency. They will send you the necessary information so that you can register.
You can apply at any time
You can apply or enroll in the program at any time of the year. There are no specific dates or timeframes to do so, neither for Medicaid nor for CHIP. If your children qualify, medical coverage would begin immediately.
Keep reading: Medicaid and free transportation: Everything you need to know
What does CHIP cover?
CHIP coverage may vary by state. However, all states must cover certain medical services such as:
- Medical consultations
- prescription drugs
- Laboratory analysis
- Routine physical exams
- Hospital care, both inpatient and outpatient care
- Emergency services
- Dental and vision services
States may offer additional services in their CHIP programs. If you need more information about the medical coverage of your states, you should consult directly with your state.
How much does the CHIP program cost?
If your child is a “well child” their routine and dental exams will be free. However, you may have to pay copays for other services. Some states also charge a monthly fee or premium. The payments you must make depend on the program of each state, but may not exceed 5% of the annual family income.