CHIP: A New Era in Children’s Health Insurance

Provides health coverage to eligible children through both Medicaid and separate CHIP programs. Children eligible for CHIP are in families with incomes too high to qualify for Medicaid, but too low to afford private coverage. CHIP is managed by states according to federal requirements and CHIP Is funded by states and the federal government of USA. f your children need health coverage, they may be eligible for the Children’s Health Insurance Program (CHIP).  CHIP provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid. In some states, CHIP covers pregnant women. Each state offers CHIP coverage and works closely with its state Medicaid program.

Eligibility

Each state program has its own rules about who qualifies for CHIP. 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 CHIP. If they qualify, you won’t have to buy an insurance plan to cover them.

• 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 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.

What CHIP covers

• CHIP benefits are different in each state. But all states provide comprehensive coverage, including:
• Routine check-ups
• Immunizations
• Doctor visits
• Prescriptions
• Dental and vision care
• Inpatient and outpatient hospital care
• Laboratory and X-ray services
• Emergency services
• States may provide more CHIP benefits. Check with your state for information about covered services.

Read it The Benefits of Health Insurance

What CHIP costs

Routine “well child” doctor and dental visits are free under CHIP. 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.

If your children are eligible for CHIP, they won’t be eligible for any savings on Marketplace insurance. CHIP coverage will probably be more affordable. Remember, you and other family members may be eligible for savings on Marketplace insurance coverage.

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

Create an account or log in on officially government website https://www.healthcare.gov to an existing account to get started. If it looks like anyone in your household qualifies for Medicaid or 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.