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Learn About CHIP in Alaska

Alaska CHIP, also referred to as Denali KidCare, is a federally and state funded insurance plan that provides health insurance coverage to qualifying children who are not eligible for Medicaid health coverage and have no other means of health insurance. CHIP insurance contains eligibility, age, citizenship and residency requirements as well as income limits that are higher than that of Medicaid. Income related requirements help to determine eligibility and the fees that parents can expect to pay for their child’s health insurance. CHIP offices strongly recommend that applicants learn more about program qualifications prior to submitting an application.

Before applying for the children’s health insurance program, it is worth reviewing the coverage that the insurance program provides as well the cost that parents can expect to pay for insurance in the form of premiums, copayments and coinsurance. Benefits do not continue without pause, however, as you must renew annually in order to maintain coverage for your child.

What is CHIP in Alaska?

In Alaska, the CHIP Medicaid program is called Denali KidCare. It is a health insurance program designed to provide coverage to children who do not meet Medicaid eligibility requirements, but who do not have any other form of insurance coverage. The program is funded on both a state and federal level and, whole this program does exist in every state within the United States, each state has a different program in terms of coverage. Denali KidCare health insurance for kids is primarily for children, but there are qualifications also set for women who are currently pregnant to receive Medicaid insurance and some CHIP benefits.

Who does CHIP in Alaska cover?

Before you submit a CHIP application in Alaska, you are strongly encouraged to learn more about Denali KidCare, including the eligibility requirements that children must meet in order to qualify for insurance. In order to potentially be eligible for benefits, Alaska children must:

  • Be younger than the age of 19 years.
  • Not have any other form of health insurance.
  • Not qualify for Medicaid, based upon the income levels of parents or caretakers.

To be eligible for the child health insurance plan, parents must meet income limits that are based upon household size. However, it is worth knowing that income limits are higher than that of Medicaid, so it is worth submitting an application, even if you were previously denied for Medicaid benefits. Not only will the parent’s income levels determine whether or not a child is eligible for insurance, but also the fees associated with the insurance.

As stated previously, CHIP eligibility requirements may also be met by women who are currently pregnant. Rather than receive coverage from the program, eligible pregnant women will be able to receive state Medicaid benefits.

How to Apply for CHIP in Alaska

If you meet CHIP eligibility requirements in Alaska, you are strongly encouraged to submit an application as this form of insurance is considered excellent and on par with Alaska Medicaid insurance. In Alaska, you can apply for Denali KidCare online by utilizing one of two websites as well as by obtaining a physical application and returning it to your local Public Assistance office.

You can find a CHIP application online or, alternatively, you may request one from your local Public Assistance office. Once you complete a physical application, you can return that application in person or by mail. Regardless of the method chosen for the application process, you will receive a notice in the mail regarding your child’s eligibility for the insurance program as well as any premiums and other costs that you may be expected to pay. If you do not agree with your decision letter, you do have the right to an appeal.

What is included with Alaska CHIP Coverage?

Now that you know who qualifies for CHIP in Arizona, it is important to look at the coverage that Denali KidCare has to offer. As stated previously, Denali KidCare is considered excellent health insurance that is on par with the state’s Medicaid program.

Alaska CHIP is different in every state within the U.S. While the program exists within each state and the program receives some federal funds, it is worth knowing that the state controls much of the program. This includes some of the coverage that is offered. States must provide comprehensive coverage, although it can include additional benefits. Therefore, it is important to learn more about CHIP coverage benefits, even if you have been previously familiar with another state’s program. In Alaska, CHIP benefits include, but are not limited to:

  • Mental health and substance abuse services.
  • Visits with a physician, including routine check-ups.
  • Lab work.
  • Emergency services.
  • Some prescription drugs.
  • Immunizations.
  • Health screening.

How much is CHIP health insurance in Alaska?

Alaska CHIP insurance may come at little to no cost, depending on your income level. Some individuals who receive benefits for a child will not experience premiums, copayments or coinsurance while others will experience all three. You will be provided further information about these potential costs in your decision later that will be mailed to you after your application has been processed.

If you have a CHIP premium, this premium does not typically need to be paid up front in order to begin receiving benefits. However, you are strongly encouraged to pay the premium in a timely manner. Copayments and coinsurance costs must generally be paid at the time of service.

How long do CHIP benefits last in Alaska?

If you have been approved for the Children’s Health Insurance Program in Alaska, it is important to understand that your child’s insurance benefits will last for a period of 12 months. However, if a child turns 19 during this time or moves out of the state, benefits will end prematurely.

A CHIP application for renewal will be automatically mailed to you around 45 days prior to the expiration of benefits and coverage. It is crucial that you complete and return the application in a timely manner in order to avoid a lapse in coverage. Children who remain eligible for benefits may be continued to be renewed each year for insurance coverage. However, if children are no longer considered eligible for benefits or if you fall too far behind on premiums and other costs, your renewal application may be denied. To learn more about maintaining benefits, click here to download our helpful guide to CHIP.