CHIP is the Children’s Health Insurance Program, initiated by Congress in 1997. This is a special program combines federal and state governments for the purpose of supplemental health insurance for uninsured children and pregnant women who are eligible do not have the financial means to buy an individual policy separated, but still not Medicaid.

On February 4, 2009, was president of the widespread adoption of CHIP Obama Law Act children’s health insurance program renewal (Cyprus). This extension increases the number of children in the chip 7000000-11000000 and expanded its payment obligations by 2013.

Who is eligible to chip?

CHIP is something between Medicaid and private insurance. Who income too much for Medicaid but still can not afford private plans can use CHIP.

CHIP eligibility in each state. However, in most states, children under 18 whose families earn $ 44.100 or less per year are eligible for CHIP.

The number of family members affect the value of income, it is possible to opt for CHIP. For example, a family of four can earn up to $ 44.100, while a family with two qualifying income ceiling for CHIP to $ 29,140 per year.

How much does the chip?

It depends on where you live and how much does your family, but in most cases, you must pay a small monthly fee for coverage. In some states, you can also experience start-up costs and co-payments for each service. For example, it costs you $ 35 to begin reporting in Colorado and visit the doctor or the service will cost between $ 2 and $ 5.

By CHIP health insurance, you get a very low service costs, but they are very often linked to family income in total. For example, monthly charges are incurred for CHIP coverage in the State of New York only $ 9 and children from families with higher incomes. In Illinois, however, with an income between $ 44,000 and $ 66.156 per year is paid a premium of $ 40 per month for each child.

What are the benefits of CHIP are available?

The list of benefits you can get through the card varies from state to do otherwise. However, there is a minimum requirement of the required program, regardless of the location will provide:

- Regular reviews – Vaccinations – Dental services – hospital – emergency visits Room Service – Laboratory and X-ray

As I said before, in some states, you are prompted to some taxes to get the bonnet or some paid services provided by CHIP. However, there is a strict requirement that the screening is free in all Member States by CHIP.

Chip is a means of cheap health insurance for those who get it really needs. Children are very important and have their health is protected very important for parents. Do not try to save money on health insurance coverage for your children, because there are programs like Medicaid and CHIP, which may help you if your income does not allow you to medical treatment of a private insurance can be obtained.