The Children’s Health Insurance Program (CHIP)

By | March 2, 2015

If your children need health coverage, you may qualify for the Children’s Health Insurance Program(CHIP). If you are eligible you will not have to buy a plan in the insurance market. You can apply and enroll in Medicaid or CHIP during any time of year. No period of limited enrollment, either Medicaid or CHIP. If you qualify, your coverage can begin immediately. The Children’s Health Insurance Program (CHIP) provides health coverage to eligible children, through both Medicaid and separate CHIP programs.  CHIP is administered by states, according to federal requirements.  The program is funded jointly by states and the federal government.


CHIP Basics and other CHIP Information

CHIP gives low-cost health coverage to children in families who earn too much money to get Medicaid. In some states CHIP also covers parents and pregnant. Each state provides CHIP coverage that often works with the state Medicaid program. States that provide CHIP coverage to children through a Medicaid expansion program are required to provide the EPSDT benefit.  Dental coverage in separate CHIP programs is required to include coverage for dental services “necessary to prevent disease and promote oral health, restore oral structures to health and function, and treat emergency conditions. Coverage for age-appropriate immunizations is required in CHIP. States with a separate CHIP program (including the separate portion of a combination program) must purchase vaccines to be administered to enrolled children using only CHIP federal and state matching funds.


What CHIP Insurance Covers

CHIP covered benefits vary by state. However, all states should provide comprehensive coverage that includes:

  • Routine physicals
  • Immunizations
  • Surgeries
  • Prescription drugs
  • Dental and vision
  • Hospital care inpatient and outpatient
  • Laboratory tests and X-rays
  • Emergency services

States may offer additional benefits CHIP. 


How much is CHIP?

Routine exams and dental for “Healthy Kids” are free. However, for certain services may have to pay a copayment. A fixed amount (for example, $15) you pay for a covered health care service, usually when you get the service. The amount can vary by the type of covered health care service. Some states charge a premium monthly. The amount that must be paid for your health insurance or plan. You and/or your employer usually pay it monthly, quarterly or yearly.What he is liable to you will vary by state, but can not be more than 5% of annual family income.


Find out if your children are eligible for CHIP

Each state program has its own eligibility requirements for CHIP. To find out if your children are eligible:

  • Visit and select your state. Or call 1-877-543-7669.
  • Fill out the Marketplace application. We’ll tell you which programs you and your family qualify for. If it looks like anyone is eligible for CHIP, we’ll let your state CHIP agency know so your coverage can start right away.


When are Children Eligible for CHIP

If your children are eligible for CHIP, they may not benefit from any savings insurance market. In which case you will find it cheaper to insure their children through CHIP.However, you and the other members of your family may save money by purchasing a plan in the insurance market.  You can purchase a plan in the insurance market and save money on your monthly premium or in -pocket expenses . You can apply. This will depend on your income and household size.


How to get CHIP Health Insurance?

Complete the application of the Market and we will inform to which programs are eligible you and your family as well as private insurance and any cost savings. You can fill the application even if some family members already have medical coverage.