Your Children and CHIP
If your children need health insurance but your family earns too much to qualify for Medicaid, they may be eligible for the Children’s Health Insurance Program, or CHIP. This means you won’t have to buy a Marketplace plan to cover them.
What CHIP does
If your income is too great to qualify for Medicaid, CHIP can step in to offer you low-cost healthcare coverage options. Coverage under CHIP is available nationwide, but it varies by state. For example, CHIP covers pregnant women and parents in some states. Wherever you are, CHIP works closely with your state Medicaid program to determine your specific coverage options.
What CHIP Covers
We already know that each state offers different coverage. One thing you can count on – regardless of where you live – is comprehensive coverage. This is provided by all states, and includes the following benefits:
- Routine check-ups
- Visits to your doctor
- Emergency services
- Inpatient and outpatient hospital care
- Dental and vision care
- Laboratory and X-ray services
Some states provide additional CHIP benefits. Contact one our local licensed agents to find out more about which services are covered by your state.
What CHIP costs
Costs for CHIP vary by state. Routine doctor and dental visits for “well children” are free of charge under CHIP, but there may be copayments for other services. Your state may also charge a monthly premium for CHIP coverage. No matter where you are, CHIP ensures that you’ll never have to worry about paying more than five percent of your family’s annual income for CHIP benefits.
Do Your Children Qualify for CHIP?
Your state program has specific guidelines to determine who qualifies for CHIP. Let HealthMarkets help you figure out about the specific coverage available from your state. We’ll you find the plan that meets your needs at the price that’s right for you. The best part is that we do this at no cost or obligation to you. Why wait? Call (800) 304-3414 today.