Kentucky CHIP, referred to as KCHIP within the state, is a free to low cost health insurance program for children who are younger than 19 years of age that do not have access to another means of health insurance. With higher income limits, CHIP insurance provides comprehensive health benefits to children of families with too high of income to qualify for Medicaid health coverage, but too low of an income to reasonably purchase private insurance.
With the children’s health insurance program, children have access to affordable health coverage that is important at every stage of childhood. Through this program, thousands of children in Kentucky each year do not need to go without comprehensive health insurance. You can find further information regarding the programs benefits, lengths of benefits, cost and eligibility requirements in the sections found below.
What is CHIP in Kentucky?
Kentucky CHIP Medicaid provides comprehensive health insurance that is on par with the Kentucky Medicaid program to children who would be left otherwise uninsured. It is a low to no cost insurance program that is available within every state, however, it is worth knowing that each state governs its own program and determines coverage, costs and eligibility within federal guidelines.
By providing affordable health insurance for kids, children are granted the opportunity to grow up healthier and have access to medical services whenever necessary. In Kentucky, it is believed that no child should go without affordable health care and, through this program, thousands of children are provided insurance each year. If you think your child may be eligible for coverage through KCHIP, you are encouraged to apply.
Who does Kentucky CHIP cover?
Before submitting a CHIP application in Kentucky, it is important to review KCHIP eligibility requirements in order to verify whether or not your child may qualify for benefits as well as grasp a further understanding of the program. To meet CHIP eligibility requirements, your child must be younger than the age of 19 and live with you. Only the custodial parent can apply for benefits for a qualifying child. Children must not have access to any other form of health insurance and cannot be eligible for Medicaid in order to qualify.
To receive CHIP benefits in Kentucky, you must be able to meet income requirements. Income limits are based upon family size and can change each year since the limits are determined by the federal poverty line. However, as stated previously, income limits for this program are higher than that of the state Medicaid program. If you may qualify for coverage benefits for your child, it is important to submit an application in order to have your eligibility determined.
How to Apply for CHIP in Kentucky
In Kentucky, a CHIP application can be submitted online or in person at your local Department of Community Based Services Office. An online application is considered the most convenient method of applying by far as it will save you a trip to your local office. Should you wish to apply in person, you may obtain an application beforehand to save time, should you choose to do so, online or from various pharmacies, physician offices, hospitals and schools.
When applying for CHIP insurance, you will likely be asked to provide documentation that will support the information supplied on your application. Required documents include:
- Proof of income.
- Proof of expenses for childcare or a disabled adult living within the home.
- Proof of citizenship.
- Proof of identity.
After your CHIP eligibility is determined, you will receive a notice in the mail from your local office that will inform you as to whether or not your child is eligible for coverage. If additional documents are needed during the application process, you will be notified.
What is included with Kentucky CHIP coverage?
The Kentucky Children’s Health Insurance Program provides comprehensive coverage to children who qualify for benefits. While CHIP does exist in each state within the United State, each state program differs slightly as states have the ability to determine certain aspects of coverage, costs and even eligibility. Therefore, it is important to learn more about KCHIP, even if you have previous experience with another state program. In Kentucky, the program provides benefits that include, but are not limited to:
- Doctor visits.
- Dental care.
- Mental health services.
- Laboratory tests and x-ray services.
- Vision exams.
- Hearing services.
- Prescription medications.
How much is CHIP health insurance in Kentucky?
If approved for CHIP benefits in Kentucky, it is important to be aware of copayments that you will need to pay for certain medical services. Copayments do vary by medical service, but most copayments do not exceed $10. Additionally, the state of Kentucky has a maximum amount that parents can expect to pay each beneficiary year. When considering copayments, it is also worth knowing that some medical services will not incur a copayment, such as preventative care and immunizations.
How long do CHIP benefits last in Kentucky?
Kentucky CHIP provides health insurance coverage and benefits to qualifying children for a 12 month beneficiary period. During that time, benefits will only be interrupted under certain circumstances, such as if the child turns 19, moves out of state or otherwise becomes ineligible for the program.
Before CHIP coverage ends, you will receive a notice in the mail offering you the opportunity to complete a renewal application. If you would like to continue benefits for your child, you may request a renewal of benefits and your child’s eligibility for the program will be determined again. It is important that you complete the application and provide all necessary documentation in order to avoid any lapses in your child’s health insurance coverage. You will need to provide the following documents:
- Proof of income for the last two months.
- Proof of other sources of income, such as disability, alimony or child support.
- Proof of child care expenses or expenses for a disabled adult living within the home.
- Any health insurance information that the family may have outside of the program.
If the CHIP application for renewal is not received within 30 days, your child’s health insurance coverage will be cancelled. Should you need to, you can restore coverage by completing a new application for benefits. To learn more about CHIP, download our comprehensive guide to CHIP benefits today.