Children’s Health Insurance Program (CHIP)

The Children’s Health Insurance Program (CHIP) provides health insurance to children whose families cannot afford it. CHIP is designed to help families who earn too much money to qualify for Medicaid but still cannot afford private health insurance. CHIP covers a wide range of medical services, including doctor visits, dental care, vision care, and mental health care. Costs for CHIP depend on family income, and the application process requires documentation of income and residency. CHIP is designed to be affordable for families and is a great resource for families who need health insurance for their children. Contact information is online for the CHIP Programs in Your State or you can call 1-877-KIDS-NOW (1-877-543-7669).

Eligibility Requirements for Children’s Health Insurance Program CHIP

A child must meet the following requirements to be eligible for CHIP:

• Be under the age of 19.
• Be a US citizen or a legal permanent resident.
• Live in a state that offers CHIP.
• Meet income requirements.

In most states, a family of four with incomes up to $50,000 per year may qualify for Medicaid or the CHIP. Family incomes can be higher, and children will still qualify in many states. Young people up to 21 may be eligible for Medicaid. There is no income limit for children who have “aged out” of foster care and they can be covered under Medicaid until they reach 26.

Children’s Health Insurance Program (CHIP) Covered Services

CHIP covers a wide range of medical services that children may need, including:

• Doctor visits
• Routine check-ups
• Dental care
• Vision care
• Prescription drugs
• Immunizations
• Hospitalization
• Lab tests and X-rays
• Mental health care
• Emergency services

Each state’s CHIP program may offer different benefits, so it is important to check with your state’s program to see what services are covered.

Costs for Families

CHIP is designed to be affordable for families. Most states require families to pay a small fee for some services, such as doctor visits and prescription drugs. The cost of these fees varies by state and by family income.

The amount that families pay for CHIP depends on their income. In general, families with lower incomes pay lower fees, while families with higher incomes pay more. Some states may also require families to pay a monthly premium for CHIP coverage.

The Application Process for the Children’s Health Insurance Program (CHIP)

To apply for CHIP, families must complete an application and provide documentation of income and residency. The application can be completed online, by mail, or in person at a local health department or social services office. You can apply anytime using application process on the Health Insurance Marketplace  or directly at your state’s Medicaid or CHIP agency. To get more information call 1-877-KIDS-NOW (1-877-543-7669), and you will be connected directly to the program in your state.

Once the application is submitted, it will be reviewed to determine if the child is eligible for CHIP. If the child is eligible, the family will be notified and provided with information about the program and how to access services.