Families with children may have trouble finding health insurance options that are intended to cover the specific medical needs of children. Some families are confused about coverage options and the costs associated with insurance premiums and copayments. Fortunately, even families on a tight budget can find a solution to ensure that their children receive coverage for routine medical care.
What is the Children's Health Insurance Program (CHIP)?
All states offer health insurance for children up to age 19 at little or no cost to the parents or guardians. CHIP often requires no copayment for routine or emergency health care.
Eligibility for CHIP is based on family income. The amount that a family can make varies from state to state, and the maximum amount of income is based on the size of the family. Some states offer CHIP to families over the income limit for a fee that is cheaper than a private health insurance plan.
CHIP is an ideal solution for families struggling to pay for medical insurance for children. All of the routine medical appointments and immunizations recommended by medical professionals are covered by the healthcare plan. Some states also cover dental care and vision.
Are working families eligible for CHIP?
Eligibility for CHIP is dependent on family income. While the maximum income allowed varies based on family size and the state in which a family is located, a typical maximum is $45,000 for a family of four. This makes it possible for working families to remain eligible for CHIP.
If your family makes more than the income maximum listed above, you should research your state's exact eligibility requirements before you give up on the CHIP program. Some states have higher income limits, and some states allow families to purchase low-cost insurance for children even if they exceed the income limit. The aim of the CHIP program is to make sure that every child in the country has adequate health insurance.
How can I learn more about CHIP in my state?
If you are interested in finding out more about enrolling your child in CHIP, call 1-877-KIDSNOW. Operators at that number are able to provide information pertaining to your state. Some states allow parents to enroll children over the phone or online. You may need to mail documents related to household income, expenses and personal information about your child to a public assistance office.
