Hawaii CHIP is a health insurance program designed to provide comprehensive health insurance benefits to children who would otherwise remain uninsured. The CHIP insurance program is designed to provide aid when parents make too much for Medicaid, but not enough to afford the cost of private insurance for their children. This invaluable program is funded by both the federal government and Hawaii and it is nationally recognized throughout the United States. While the program exists in every state within the U.S., each state is given some flexibility in determining costs and coverage benefits for participants in a particular state.
The Children’s Health Insurance Program (CHIP) is available to children that meet several eligibility requirements, including age, residency, income and citizenship requirements. You may also recognize this program by the state name of QUEST. Additionally, coverage is only available for a set period of time before parents must submit a renewal application. Therefore, it is important to learn more about eligibility requirements, coverage options, coverage length and the cost you can expect to pay with the program.
What is CHIP in Hawaii?
CHIP Medicaid is Hawaii’s health insurance for kids program that provides coverage to children who do not have access to any other form of health insurance, private or otherwise, and meet certain eligibility requirements. Unlike many other states, Hawaii does not provide the program with a name that differs from the federal designation.
With CHIP, children receive comprehensive health insurance plans that are on par with Hawaii’s Medicaid program. Therefore, it is important to review insurance benefits, including the length of time that benefits are available, as well as the cost that parents can expect to pay.
Who does Hawaii CHIP cover?
Before you submit a CHIP application in Hawaii, it is strongly recommended that you review the eligibility requirements associated with the program in order to verify whether or not your child may qualify for coverage and familiarize yourself with the application process.
Hawaii CHIP eligibility includes age, residency, citizenship and income related requirements. Additionally, children cannot have access to another form of health insurance nor be eligible for Medicaid in order to qualify.
CHIP benefits are only available to children who are up to 18 years of age. Children who are 18 must still live with the family member applying for CHIP benefits. While this program does exist in every state in the U.S., in order to receive benefits in Hawaii, you must be a resident of Hawaii. Additionally, only children who are either United States citizens or hold a qualifying immigrant status may receive benefits from the program.
CHIP insurance requires family’s to meet income limits. While income limits exist for this program, it is worth knowing that they are rather generous in comparison to Medicaid income limits. If you were previously denied for Medicaid, you may still be eligible for this form of insurance for your child. Limits are determined by household size and based upon the current federal poverty line. Not only will your family’s income determine whether or not your child qualifies for benefits, but the amount that you can expect to pay for the health insurance plan.
How to Apply for CHIP in Hawaii
If you would like to submit a CHIP application in Hawaii, you may do so online or in person. It is recommended that you complete your application online in order to save time and hassle as well as enjoy the ability to submit an application from the comfort of your own home and on your own time. Alternatively, you can visit any of the statewide Med-QUEST eligibility braches to submit your application in person.
When applying for CHIP coverage, it is worth knowing that you will need to provide some documentation to support the information that you provide on your application, such as proof of income and proof of citizenship or immigration status.
What is included with Hawaii CHIP coverage?
Hawaii CHIP benefits provide comprehensive health coverage to children who would otherwise remain uninsured. As stated previously, states may offer additional benefits associated with the basic federal requirements of the program. Therefore, it is important to review the benefits that are available in Hawaii, even if you have been previously familiar with the program elsewhere. In Hawaii, CHIP coverage includes, but is not limited to:
- Routine check-ups.
- Prescription medications.
- Dental care.
- Vision care.
- Certain types of hospital care.
- Laboratory and X-ray services.
- Emergency services.
How much is CHIP health insurance in Hawaii?
If you are approved for CHIP in Hawaii, you may be expected to pay a premium and even copayments, depending on the type of medical services that you receive. The amount of money that you may need to pay for your child’s insurance will depend on your income at the time of the application. Therefore, it is very important that you report any changes in your income or household size in a timely manner.
CHIP insurance has a maximum out of pocket expenses of 5 percent of your family’s annual income each year. If you reach this amount, you will not be charged for any additional coverage or services until you renew coverage at the end of the year, should you choose to do so.
How long do CHIP benefits last in Hawaii?
In Hawaii, CHIP benefits will last for an initial 12-month period in most cases. However, coverage may be interrupted or canceled in the event of past due payments, if the child turns 19, no longer qualifies or moves outside of Hawaii.
At the end of your initial CHIP coverage, you will be given the option to renew your child’s insurance for an additional 12 months. You will need to complete a renewal application to do so and, if your child is found eligible, coverage will be extended for an additional 12-month period. There is no limit to the amount of times that coverage can be extended, so long as your child is still eligible for the program. To find out more about the benefits of this program, download our informative CHIP guide today.