CHIP in Louisiana, known as LaCHIP within the state, is a health insurance program that provides health coverage to uninsured children up to the age of 19 who qualify for benefits. Unlike many other states, LaCHIP offers health insurance without any cost to most parents. The CHIP program is designed to provide coverage to children who do not qualify for Medicaid due to income levels within the family, but where income is not high enough to afford private health insurance.
If interested in this children’s health insurance program, it is very important that you review the eligibility requirements for the program as well as provided coverage benefits and how long your child can receive coverage from the program. By doing so, you will be better prepared for the application process, have a better idea of whether or not this insurance is the right choice for your child and you may know whether or not your child will qualify for coverage.
What is CHIP in Louisiana?
Louisiana CHIP Medicaid is a health insurance program that provides uninsured children with comprehensive health coverage benefits, so long as eligibility requirements have been met. This health insurance for kids program uses higher income standards than that of traditional Medicaid while providing insurance benefits that are on par with Louisiana’s Medicaid program. While some states offer this type of coverage to pregnant women, Louisiana has a separate program for pregnant women and postpartum services. Louisiana also offers the LACHIP Affordable plan to eligible families. This plan is available to children with households that make too much for the standard LaCHIP coverage plan.
Who does Louisiana CHIP cover?
If interested in a CHIP application in Louisiana, it is worth first reviewing the eligibility requirements that must be met in order for your child to obtain coverage. This child health insurance plan is only available to children who are under the age of 19 with families that have an annual income of under 250 percent of the current Federal Poverty Line (FPL). In order to be eligible for LaCHIP, children cannot have access to another form of health insurance and cannot be eligible for Medicaid health benefits.
CHIP eligibility requirements regarding income keep families who work with moderate to low income in mind. If you have previously been denied for Medicaid health insurance, your child may still qualify for LaCHIP as income limits are much higher for this program. In addition to the FPL, limits are determined by family size. Your family’s income will not only determine your child’s eligibility for this program, but whether or not your family will receive a monthly premium for coverage.
How to Apply for CHIP in Louisiana
If interested in applying for CHIP benefits in Louisiana, you may do so online, by mail, by fax or in person at an application center in your area. With so many different methods of application, you have a greater deal of flexibility and convenience.
An online CHIP application is generally considered the easiest way to apply for benefits within the state as you need not worry about postage times or office hours. An online application can be submitted from the comfort of your own home and on your own time.
Alternatively, you can apply for CHIP benefits by obtaining a paper application online or at various schools, hospitals and physician offices. Once you have an application, complete it and mail or fax it to your nearest application center location. Finally, if you would rather apply for coverage in person, you may visit the application center location in person to apply for LaCHIP.
After submitting a Louisiana CHIP application, you will receive a notice by mail informing you as to whether or not your child has been deemed eligible for benefits. You can also check the status of your application by contacting the LaCHIP hotline.
What is included with Louisiana CHIP coverage?
Louisiana CHIP coverage provides numerous health related insurance benefits and coverage options for your child. As stated previously, in Louisiana, benefits are on par with the state’s Medicaid program. However, it is worth knowing that each state determines the coverage benefits, costs and eligibility requirements for the individual state program. Therefore, coverage is different from one state to the next. In Louisiana, LaCHIP benefits include, but are not limited to:
- Preventative care and immunizations.
- Prescription medications.
- Hospitalization and emergency services.
- Visits with a physician.
- Laboratory and X-ray related services.
- Mental health services.
- Behavioral health services.
To learn more about basic CHIP coverage, you can download our national guide to CHIP today.
How much is CHIP health insurance in Louisiana?
Louisiana CHIP insurance provides comprehensive health insurance packages at little to no cost to parents. In fact, a great deal of the participants receiving benefits from LaCHIP do not pay premiums or copayments in exchange for coverage. Whether or not you must pay a monthly premium for your child’s coverage will depend on your income at the time of your application and what type of CHIP you are eligible for. This premium will not change for the duration of the beneficiary period, even if income increases during this time.
How long do CHIP benefits last in Louisiana?
Once CHIP insurance has been granted in Louisiana, your child will receive comprehensive health insurance benefits for a 12-month period. This period can begin as early as three months prior to the date that your application is received in some cases, should you need it to. Coverage will only be interrupted during this time if a child turns 19 or moves outside of the state. Family income can rise during this beneficiary period without the loss of coverage.
Before CHIP insurance coverage ends, you will receive a notice by mail inviting you to renew coverage. Should you choose to do so, your child’s eligibility for benefits will be reevaluated and you will need to provide proof of income once more. Once you receive the notice, you may either complete the application that is provided to you and return the application or you can contact LaCHIP by phone in order to renew benefits over the phone.
You may renew CHIP benefits as many times as you like, so long as your child remains eligible for benefits. There is no limit to the number of beneficiary years that your child can receive coverage for. To learn more about CHIP coverage, download our informative guide today.