Arizona CHIP, referred to as KidsCare within the state, is a health insurance program that offers coverage to children that is on par with the state Medicaid program at a low to very low cost to parents. CHIP insurance is designed to provide coverage to kids who would otherwise not have health insurance and, while there are income limits to enroll, those limits are higher than the income limits found with the Medicaid benefits program. If you are interested in KidsCare, it is important to learn more about this form of health insurance, including the level of coverage that is offered, the types of out of pocket costs that parents may face and how long coverage will last.
This children’s health insurance program can be applied for in numerous different ways, including online, by mail and in person. With so many ways to apply for benefits, it is easy to submit an application. As the expiration of coverage draws closer, you can expect to automatically receive a renewal notice in which eligibility will be re-examined.
What is CHIP in Arizona?
CHIP Medicaid, also known as KidsCare in Arizona, offers children an outstanding level of health insurance coverage without the higher costs of standard insurance plans. KidsCare provides this insurance only to children who qualify for the program and have no other means of coverage. While there are income limits associated with KidsCare, the program supports various income levels with the cost of coverage varying by parental income.
In Arizona, health insurance for kids is provided through the Arizona Health Care Cost Containment System (AHCCCS), with several different ways to apply for coverage. Before completing the CHIP application process, however, you are strongly encouraged to review information regarding to the children that may qualify for coverage as well as the level of coverage that is provided.
Who does Arizona CHIP cover?
Before submitting a CHIP application in Arizona, it is strongly recommended that you review the eligibility requirements related to Arizona KidsCare. CHIP eligibility is based upon residency, citizenship, age, income and circumstance related requirements. To qualify for KidsCare, children must be residents of the state and either a United States citizen or a qualifying immigrant. Additionally, the child must have a Social Security Number or parents must be able to submit proof that one has been applied for.
CHIP benefits can only be provided to children that are not currently covered by other health insurances and are not eligible for the Medicaid program. If a child has another form of insurance, such as coverage from a policy provided by a parent’s employer, the child will not be eligible for KidsCare.
To receive CHIP insurance, a child must be under 19 years of age. Finally, parents must meet income limits and be willing to pay a premium and other costs related to KidsCare.
How to Apply for CHIP in Arizona
If you would like to apply for CHIP in Arizona, it is worth knowing that there are a few ways that you may do so. An online CHIP application is considered by far the most convenient way to apply for coverage for your child as you can complete the application from the comfort of your own home and you can expect a reduced processing time in comparison to mailed in applications.
Alternatively, CHIP insurance can be applied for either in person or by mail. To apply by mail, you will need to obtain a physical copy of the application to complete. You can find an application online or by visiting your local office. If you intend to visit your local office or you need assistance, you may complete the application during your visit, which will reduce the amount of time that you can expect to wait to receive a decision letter from KidsCare.
What is included with Arizona CHIP Coverage?
Now that you know who qualifies for CHIP, it is important to review the level of coverage that KidsCare provides to qualifying children. When KidsCare coverage is granted, parents will be given the option to choose a health plan that provides coverage within their zip code area as well as choose a primary care doctor for their child(ren).
It is worth knowing that CHIP coverage is slightly different in every state as each state manages the program within federal guidelines. Therefore, it is important to learn more about Arizona KidsCare coverage, even if you have been familiarize with another state’s program. In Arizona, CHIP benefits include, but are not limited to:
- Doctor visits.
- Prescription drugs.
- Labs and X-Rays.
- Health screenings.
- Behavioral health services.
- Vision coverage.
- CHIP dental
- Emergency services.
How much is CHIP health insurance in Arizona?
If you intend to apply for CHIP in Arizona, it is important to review the potential out of pocket costs that you can expect from KidsCare. By reviewing costs, you will know what to expect in terms of potential premiums and copayments. Almost every KidsCare participant will have a monthly premium, but premium amounts are relatively low and based upon income levels. There is also a maximum premium amount charged per household, regardless of how many children receive KidsCare coverage.
In addition to CHIP coverage premiums, it is worth knowing that you may be required to pay a copayment for some services. In many cases, copayments will be due at the time of the service and providers have the ability to turn patients away if a copayment cannot be paid. However, it is worth knowing that certain medical services will never have a copayment, including but not limited to:
- Family planning services and supplies.
- Emergency services.
- Services paid on a fee-for-service basis.
- Preventative service, such as wellness visits and immunizations.
How long do CHIP benefits last in Arizona?
Generally, KidsCare health insurance for kids of Arizona will provide coverage to an eligible child for a one-year period. When nearing the end of your child’s coverage period, you will automatically receive a notice in the mail that will encourage you to renew KidsCare. If your child is still found to be still eligible for KidsCare, an additional year will be granted. There is no limit to the amount of times that you can renew KidsCare for a qualifying child. However, coverage may end early if a child turns 19 or moves outside of Arizona. To learn more about CHIP benefits, you can download our comprehensive guide.