About CHIP :
The Children’s Health Insurance Program (CHIP) is a federal-state health insurance program that provides health insurance to low-income children. CHIP was created in 1997 as part of the Balanced Budget Act.
Program administered by the United States Department of Health and Human Services that provides matching funds to states for health insurance to families with children. Designed to cover uninsured children in families with incomes that are modest but too high to qualify for Medicaid.
Who is eligible for CHIP?
CHIP is available to children who are not eligible for Medicaid but whose family income is too low to afford private health insurance. The income eligibility requirements for CHIP vary from state to state.
The benefits of CHIP :
CHIP provides a number of benefits for children, including:
1. Access to quality, affordable health care:
CHIP covers a wide range of health care services, including doctor visits, hospital stays, prescription drugs, dental care, vision care, mental health care, and preventive care. This means that children who have CHIP can get the care they need to stay healthy and grow.
2. Peace of mind for parents:
Knowing that their children are covered by CHIP can give parents peace of mind. They don’t have to worry about how they will pay for their children’s health care if they get sick or injured.
3. Increased school attendance and academic achievement:
Children who have access to regular health care are more likely to attend school regularly and achieve academically. This is because they are less likely to miss school due to illness or injury.
4. Reduced health disparities:
CHIP helps to reduce health disparities by providing health insurance to children from low-income families. This means that all children, regardless of their family’s income, have the opportunity to stay healthy and reach their full potential.
5. Improved overall health:
CHIP has been shown to improve the overall health of children. This is because children who have access to regular health care are more likely to get the preventive care they need and to receive treatment for illnesses and injuries early on.
Eligibility for CHIP :
Children up to the age of 19 from families with incomes too high for Medicaid but below 200% to 300% of the federal poverty level (FPL) are typically eligible for CHIP. The exact income requirements can vary from state to state. Additionally, a child must be a U.S. citizen, a U.S. national, or have a qualified immigration status to be eligible.
What services are covered by CHIP?
CHIP covers a wide range of health care services, including:
1. Doctor visits.
2. Hospital stays.
3. Prescription drugs.
4. Dental care.
5. Vision care.
6. Mental health care.
7. Preventive care.