Millions of people in the United States are eligible for both Medicaid and the Children’s Health Insurance Program (CHIP), which provides them with free or low-cost health coverage.
The former is designed for families with very low income, but the latter corresponds to those who earn too much money to be eligible for Medicaid but can’t afford to get a private insurance.
Who is eligible for CHIP?
Firstly, it has to be noted that those of you who qualify for the Children’s Health Insurance Program can apply for the benefit any time throughout the year.
To be eligible for CHIP, a kid should be:
-Under 19 years of age,
-Uninsured (determined ineligible for Medicaid, and not covered through a group health plan or creditable health insurance),
-A citizen or meet immigration requirements
-A resident of the state, and
-Eligible within the state’s CHIP income range, based on family income, and any other state specified rules in the CHIP state plan.
Income limits for CHIP
Families can get free coverage, low-cost coverage or full-cost coverage depending on the family size, the income level, the age of the child and types of services included in CHIP.
It is worth bearing in mind that there is no upper income limit for CHIP, and your child can be enrolled in any of the three aforementioned categories.
How to apply for the Children’s Health Insurance Program?
To apply for CHIP, you should first fill out an application form through Health Insurance Marketplace. In the event someone from your household qualifies for CHIP, the government will send all the information needed to your state agency, which will contact you to proceed with the enrolment.
After submitting your application, you can check out whether you are eligible for an individual insurance plan with savings based on your income.