Children’s Health Insurance Program
Children's Health Insurance Program is a service that provides health insurance to children. It was supervised and funded by both the federal government and the local state of the United States.
The said program was created to benefit those individuals who did not qualify for Medicaid Program
but also can’t afford private insurance. Children's Health Insurance Program acts as an extension of the Medicaid Program as it caters for individuals in the mid-class community.
The program ensures low-cost health coverage for eligible beneficiaries. Moreover, this program covers almost all of the medical services and procedures that can help every qualified individual.
However, the Children's Health Insurance Program may vary within each local state as they have the power to create their rules and regulations towards the program.
Medicare Access and CHIP Reauthorization Act
As the Medicaid Program was enacted last 1965, the Children's Health Insurance Program was created last 1997 under the Balanced Budget Act of 1997.
Furthermore, Former US President Obama signed the Children's Health Insurance Program Reauthorization Act of 2009 which will extend the implementation of CHIP up to 2013. But it did not end there, the Affordable Care Act (ACA) was passed into law, and amended to extend the said program for 2 additional years.
In 2015, Congress passed the Medicare
Access and CHIP Reauthorization Act (MACRA) which gives another extension for CHIP up to September 30, 2017.
However, Congress passed a 6-year extension and another 4 years for the program last January 2018. CHIP provides assistance and aid for low-income individuals for over 24 years. It would describe the effectiveness of the said program in covering health insurance.
Funded by the Federal Government and Local State
The children's Health Insurance Program was financed by both the federal and state government.
This strategy was done to support and provide efficiently the program upon helping its chosen beneficiaries. Moreover, CHIP continues to assist individuals through their health insurance within each local state of the United States.
Am I Eligible for the Children's Health Insurance Program?
The eligibility rules for the Children's Health Insurance Program may vary depending on the local state. Each state of the United States has its respective rules and regulations about the program.
However, the federal government provides an option for the applicants and covers the Targeted Low-Income Children and Targeted Low-Income Pregnant Women.
The qualification list to check whether you are eligible for the CHIP.
For Targeted Low-Income Children
• Must be a US citizen or qualify for the immigration requirements.
• Must be a resident of the local state where you’re applying for.
• Must be under the age of 19.
• Must not be associated with other health insurance programs. Should not qualify for Medicaid or any other health insurance programs whether from the government or private insurance.
• Must meet the CHIP standard guidelines for income. The said guidelines were based on the applicant’s household size. Refer to the table below for the preference of the CHIP standard guidelines.
Number of Individuals per Household / Maximum Annual Income
1 = $51,520
2 = $69,680
3 = $87,840
4 = $106,000
5 = $124,160
6 = $142,320
7 = $160,480
8 = $178,640
For Additional Individual = +$18,160
The standard income guidelines for the Children's Health Insurance Program (CHIP) are not low as for the Medicaid Program.
Individuals and families with a high salary can be covered by CHIP as it prioritizes those individuals who did not qualify for Medicaid.
Children that are ineligible for CHIP are the following.
• Inmates of a public institution.
• Children that have mental illness in institutions.
For Targeted Low-Income Pregnant Women
• Pregnant women under 19 years of age are under 200% of the Federal Poverty Line (FPL).
• Pregnant women above the age of 19 must be under185% of the Federal Poverty Line (FPL).
What are the included benefits of the Children's Health Insurance Program?
Children's Health Insurance Program (CHIP) benefits can be different within each local state. As local states have the power to create their respective rules and regulations, they also have the power to select the coverage of CHIP.
Moreover, different states have various health coverage for eligible individuals for the said program.
The list below for the major coverage of CHIP for its respective beneficiaries.
1. Routine check-ups
2. Doctor visits
4. Immunization and Vaccines
5. Dental Consultation
6. Vision Care
7. Inpatient and outpatient hospital care
8. Laboratory and X-ray services
9. Physicians' surgical and medical services
10. Emergency services
11. Mental health services
How Can I apply for the CHIP?
The application for the Children's Health Insurance Program can be done in 2 different ways.
Check the steps below to know how to apply for the said program.
1. For the application, you may call the Children's Health Insurance Program hotline at 1- 800-318-2596.
2. For an online application, you may navigate to the official website
and start the application process.
What are the Required Documents for the Application
Each local state can require specific documents during the application process for CHIP.
However, below are some of the most common required documents for the application process of the Children's Health Insurance Program.
• Proof of U.S. citizenship.
• Proof of Residency.
• Proof of Employment.
• Proof of your Household Annual Income (must meet the standard income guidelines of the said program).
• Proof of Birthdate.
• Social Security Numbers of applicants.
• Household daycare expenses.
• Work transportation expenses for your household (only apply if applicants need to take public transportation for work).
• Private health insurance information (if applicants have any previous health insurance).