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Learn About CHIP in Delaware

Delaware CHIP, referred to as the Delaware Healthy Children Program, is a nationally recognized health insurance program that offers uninsured children the opportunity to obtain low cost insurance. CHIP insurance provides kids with a comprehensive health insurance package that contains a variety of benefits, including preventive care, prescription drugs, visits with a physician, dental care and much more. In order to receive insurance from this program, children and families must meet eligibility requirements.

The children’s health insurance program has eligibility requirements that include age, residency, circumstance, citizenship and income related factors. In order to familiarize yourself with the program and application process, you are strongly encouraged to review CHIP eligibility requirements prior to submitting an application. In addition to eligibility requirements, you are also encouraged to learn more about coverage lengths and the process of renewing coverage for your qualifying child.

What is CHIP in Delaware?

CHIP Medicaid, also called the Delaware Healthy Children Program within the state, is a low cost health insurance program that is designed to provide coverage to Delaware’s uninsured children. The program offers health insurance for kids that do not have another form of insurance and whose parents have too high of an income for Medicaid benefits, but too low of an income to afford private insurance. Kids who are approved for coverage will be granted insurance for a set period of time with renewals required at the end of each beneficiary period in order to retain coverage.

A CHIP application can be submitted in a number of ways, but before you apply for coverage for your child, it is worth taking a look at the established eligibility requirements in order to determine whether or not your child might qualify for benefits.

Who does Delaware CHIP cover?

To qualify for a child health insurance plan under the Delaware Healthy Children Program, children must meet an array of requirements including residency, income, circumstance, age and citizenship related requirements. To meet CHIP eligibility, a child must be a resident of Delaware and must either be a United States citizen or a qualified non-citizen. Examples of potentially qualified non-citizen children include:

  • Refugees, asylees and those whose deportation has been withheld.
  • Cuban and Haitian entrants.
  • Amerasians.
  • Dependents of veterans and active-duty military personnel.

To be eligible for CHIP benefits, children must still be living at home and be under the age of 19. To be eligible, children must be living with the family. Children cannot be dependents of any State of Delaware employee, must not be eligible for the state Medicaid program and cannot have any other form of health insurance in order to qualify. However, if the state employee is not a permanent employee, children may be eligible for benefits.

Lastly, to be eligible for CHIP, a family must meet gross income limits that are determined by the family’s size. If you have been previously denied for Medicaid based upon your income, you are strongly encouraged to submit an application for this program anyway as income limits are far higher than that of Medicaid. Your income level will help to determine your child’s eligibility for the Delaware Healthy Children Program as well as determine the amount that you can expect to pay for coverage.

How to Apply for CHIP in Delaware

To apply for CHIP coverage in Delaware, you may contact your local Division of Social Services (DSS) in person, by phone or you can simply submit an online application. An online application is generally considered the most convenient way to apply as you can do so without having to leave your home and without having to abide by normal business hours. However, by phone and in person applications are available to individuals who need help with an application or are unable to complete an application online.

After you submit a Delaware CHIP application, your local DSS office will attempt to verify your citizenship, identity and income electronically. If this process cannot be completed, you may receive a request for additional documentation before the application can be fully processed. Documents that you may need to provide include:

  • Proof of citizenship or immigration status.
  • Proof of identity.
  • Proof of income for the last month.

Once your application has been processed, you will receive a decision letter in the mail that will detail whether or not your child qualifies for benefits, when coverage will begin and the amount that you can expect to pay for insurance.

What is included with Delaware CHIP coverage?

Delaware CHIP insurance provides low cost, comprehensive insurance to qualifying children who would otherwise be uninsured. Therefore, benefits are on par with the state’s Medicaid program. After benefits have been approved, your child will receive coverage for medical services such as:

  • Doctor visits.
  • Prescription drugs.
  • Eye exams and glasses.
  • Dental care.
  • Preventative care.
  • Tests and X-rays.
  • Emergency services.
  • Mental and behavioral health services.

While CHIP Medicaid exists within every state within the United States, it is important to know that each state determines certain coverage levels for the state’s version of the program. Therefore, it is important you review your child’s coverage and benefits carefully as Delaware’s program will differ from other state programs.

How much is CHIP health insurance in Delaware?

Delaware CHIP is a low-cost health insurance program, but families will receive a small cost in exchange for benefits and services. Monthly premiums are required of all participants, but the amount of the premium will be dependent on the family’s income. Premiums will remain the same, no matter how many children from one family are enrolled in the Delaware Healthy Children Program. It is also worth knowing that families that pay for three months at a time in advance will receive the fourth month free, allowing a family to save more money on premium costs.

How long do CHIP benefits last in Delaware?

After meeting CHIP Eligibility in Delaware, coverage for your child can begin as soon as you pay your first month’s premium and choose a managed care plan for your child. Coverage will last for a 12-month period, unless coverage ends prematurely for situations such as a child’s 19th birthday or if the child moves outside of Delaware. At the end of the 12 month period, you will receive a notice from your local DSS office inviting you to complete a renewal notice that can extend coverage for your child.

The CHIP application must be completed and returned to your local DSS office in a timely manner in order to avoid any lapses in your child’s coverage. If your child is still considered eligible for benefits, coverage will be extended for an additional 12 months. There is no limit to the amount of times that benefits can be renewed. So long as your children continue to qualify for benefits, you may continue to complete renewal requests. To learn more about keeping health benefits for your family, download our comprehensive guide to CHIP today.