The Children’s Health Insurance Program (CHIP) provides low-cost insurance converge to children in families who earn too much money to qualify for state Medicaid. If your child(ren) are eligible for CHIP, you do not have to purchase an insurance plan to cover them. Each state has its own rules and guidelines, but the CHIP program works closely with the states Medicaid program.
You can apply any time of year, by either calling 800-318-2596 or by filling out the application through the Health Insurance Marketplace and if your child(ren) qualify, coverage can start immediately.
What CHIP covers.
CHIP benefits are different in each state. But all states provide comprehensive coverage, including:
- Routine check-ups
- Doctor visits
- Dental and vision care
- Inpatient and outpatient hospital care
- Laboratory and X-ray services
- Emergency services
There is no cost for routine ‘well child’ doctor and dental visits under CHIP. However, there may be co-payments for other services. In addition, some states charge a monthly premium for CHIP coverage but you will never pay more than 5% of your families yearly income.