CHIP: Children’s Health Insurance Program

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Overview of  Children’s Health Insurance Program (CHIP)

CHIP: (Children’s Health Insurance Program) is mainly for children. If your children need health coverage, they may be eligible for the Children’s Health Insurance Program
Children’s Health Insurance Program provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid. In some states, Children’s Health Insurance Program covers pregnant women. Each state offers Children’s Health Insurance Program coverage, and works closely with its state Medicaid program.

Definitions of health insurance

Health insurance is an insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over numerous persons. By estimating the overall risk of health risk and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax.

See if your children qualify and apply for Children’s Health Insurance Program.

Each state program has its own rules about who qualifies for Children’s Health Insurance Program. You can apply right now, any time of year, and find out if you qualify. If you apply for Medicaid coverage to your state agency, you’ll also find out if your children qualify for Children’s Health Insurance Program. If they qualify, you won’t have to buy an insurance plan to cover them.

Ways To Apply For Children’s Health Insurance Program (CHIP)

  • Call 1-800-318-2596 (TTY: 1-855-889-4325). 
  • Fill out an application through the Health Insurance Marketplace. If it looks like anyone in your household qualifies for Medicaid or Children’s Health Insurance Program (CHIP), we’ll send your information to your state agency. They’ll contact you about enrollment. When you submit your Marketplace application, you’ll also find out if you qualify for an individual insurance plan with savings based on your income instead. Create an account or log in to an existing account to get started.

Note: You can apply for and enroll in Medicaid or Children’s Health Insurance Program (CHIP) any time of year. There’s no limited enrollment period for either Medicaid or Children’s Health Insurance Program (CHIP). If you qualify, your coverage can start immediately.

>>Also read this: Covid-19 impact on health insureance companies

What Children’s Health Insurance Program (CHIP) covers

Children’s Health Insurance Program benefits are different in each state. But all states provide comprehensive coverage, including:

  1. Routine check-ups
  2. Immunizations
  3. Doctor visits
  4. Prescriptions
  5. Dental and vision care
  6. Inpatient and outpatient hospital care
  7. Laboratory and X-ray services
  8. Emergency services

States may provide more Children’s Health Insurance Program benefits. Check with your state for information about covered services.

What Children’s Health Insurance Program costs

Routine “well child” doctor and dental visits are free under Children’s Health Insurance Program. But there may be copayments for other services. Some states charge a monthly premium for CHIP coverage. The costs are different in each state, but you won’t have to pay more than 5% of your family’s income for the year.

 Some questions and Answers on Children’s Health Insurance Program

Qn: What if my children are eligible for Children’s Health Insurance Program, but I would rather buy a Marketplace insurance plan?

Ans: If your children are eligible for Children’s Health Insurance Program, they won’t be eligible for any savings on Marketplace insurance. Children’s Health Insurance Program coverage will probably be more affordable. Remember, you and other family members may be eligible for savings on Marketplace insurance coverage.

Qn: If my children can get Children’s Health Insurance Program but I don’t qualify for Medicaid, how can I get insured?

Ans: You may be able to get an insurance plan through the Marketplace, with savings based on your income.

Create an account or log in to an existing account to get started. If it looks like anyone in your household qualifies for Medicaid or Children’s Health Insurance Program, we’ll send your information to your state agency. They’ll contact you about enrollment. When you submit your Marketplace application, you’ll also find out if you qualify for an individual insurance plan with savings based on your income instead.
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