Idaho CHIP is a low-cost health insurance program for children who are younger than 19 years of age with families whose income is too high to qualify for Medicaid, but too low for private insurance. CHIP insurance is free to some while other families may receive a very small monthly premium for each child enrolled for insurance coverage. Benefits are comprehensive as the program provides coverage for numerous medical procedures. The same benefits that are available within the state Medicaid program.
The children’s health insurance program is only for children that do not have another source of health insurance and meet eligibility requirements that revolve around age, citizenship, residency and income. While income limits do exist, limits are higher than that of Medicaid, so your child may still qualify for coverage even if you were previously denied Medicaid coverage benefits in Idaho. Therefore, you are strongly encouraged to learn more about this invaluable program, including benefits, how long benefits will remain available, eligibility requirements and fees.
What is CHIP in Idaho?
CHIP Medicaid is Idaho’s version of the children’s health insurance program that is nationally recognized and funded by the federal government and state government. The program is designed to provide comprehensive health insurance coverage to uninsured children who meet eligibility requirements. The medical services that are included in the program’s coverage are crucial at each point of childhood as benefits include wellness visits, preventative care and much more.
This health insurance for kids program requires children to meet age, citizenship, residency and income related requirements in order to be eligible for coverage.
Who does Idaho CHIP cover?
Before you submit a CHIP application in Idaho, it is important to verify whether or not your child may qualify for benefits. To meet CHIP eligibility requirements, a child must be a resident of Idaho and be:
- Under the age of 19. Children who are 18 years of age must live with the applying family.
- A United States citizen or a qualifying legal resident.
- Within guidelines for household income.
A child health insurance plan can only be provided if the family does not qualify for Medicaid and if the child does not have any other form of health insurance. As stated previously, income limits for this program are higher than that of the state Medicaid program. Furthermore, limits are determined by household size. Your income will determine whether or not your child is eligible for coverage and your out of pocket costs for the program.
How to Apply for CHIP in Idaho
To receive CHIP benefits in Idaho, you must first submit an application for coverage. You can submit an application in a number of ways in Idaho. Perhaps the easiest and overall fastest way to submit an application is online. However, you can also submit an application over the phone, in person or by mail. Should you choose to submit an application by mail, you can obtain a copy of an application online, print and complete your application and mail it to your local office. If you have questions regarding the application process, the in-person method allows you to speak to a representative of the Department of Health and Welfare. If you do not meet CHIP program eligibility requirements, a representative may be able to offer information about other programs you may qualify for.
What is included with Idaho CHIP coverage?
Idaho CHIP coverage is comprehensive and on par with the state’s Medicaid program. If your child has been approved for benefits, your child will receive coverage for a number of medical services, including:
- Doctor visits.
- Dental care.
- Prescription medications.
- Vision care.
CHIP insurance exists throughout the United States, but no two states have the same program. Insurance coverage in Idaho is determined by the state and, therefore, it is important to familiarize yourself with coverage options, even if you are aware of coverage offered in another state.
How much is CHIP health insurance in Idaho?
The Idaho children’s health insurance program provides parents with a low-cost insurance plan for kids. To that end, premiums and copayments are very reasonable. Monthly premiums are free to a small fee each month per child that participates in the program. Some premium fees may be discounted if a child’s health is managed in a timely manner. For example, if a child’s immunizations are current, the Department of Health and Welfare can reduce premium fees each month. In addition to premiums, some medical services will require small copayments at the time of service, including services such as:
- Visits with a physician.
- Physical therapy.
- Occupational therapy.
- Speech therapy.
Your doctor can inform you as to whether or not a copayment will be required for your visit. Not only visits will require a copayment. For example, well checkups, preventative care and immunizations do not have a copayment.
How long do CHIP benefits last in Idaho?
After your child is approved for CHIP in Idaho, it is worth knowing that benefits will initially only be provided for a 12 month period. Additionally, benefits may abruptly end for certain reasons, such as falling too far behind on premium payments, if a child turns 19 years of age or if a child moves outside of Idaho.
You can renew CHIP insurance towards the end of that 12 month period by completing a renewal application. So long as you complete an application in a timely manner and your child is still eligible for coverage, your child’s benefit will likely be extended for an additional 12 months without a lapse in coverage. However, if a child is not eligible for benefits, an extension of coverage will not be granted. There is no current limit to the amount of times that you can renew coverage for a qualifying child. To learn more about CHIP benefits, download our comprehensive CHIP guide.