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Learn About CHIP in Minnesota

Minnesota CHIP insurance is available for uninsured children of working families. Otherwise known as MinnesotaCare, this health insurance program covers those with low incomes who do not otherwise qualify for Medicare. The children’s health insurance program is available in each state, though the specific benefits, costs and covered services vary across the country. Low-income families can get health insurance for kids through MinnesotaCare, a combined assistance plan. Most children who belong to families up to at least 305 percent of the federal poverty level are covered.

Each state is responsible for overseeing the program benefits, application procedures and cost of the program. Minnesota determines the specific details of MinnesotaCare each year. To learn more about the program, including CHIP eligibility requirements, application process and program benefits, continue reading the sections discussed below.

What is CHIP in Minnesota?

MinnesotaCare is a blended CHIP Medicaid insurance program designed for low-income families who may not qualify for other medical assistance programs. It is not only a child health care program, but a family health insurance plan that provides families with children younger than 21 years of age with access to important health care services, such as doctor visits, hospital stays, dental services and many others. Some families pay a premium for services while others must pay co-payments or have deductibles for certain services.

CHIP coverage varies between states, and may also differ between applicants. Covered services and costs are determined by income, age, household size and medical need. For example, free CHIP dental coverage may be included in the insurance package for certain families while others pay a low-cost premium. To learn more about the benefits of MinnesotaCare, download our comprehensive guide.

Who does Minnesota CHIP cover?

To qualify for MN CHIP, applicants must meet certain program requirements. Each state sets the application conditions, so eligibility differs around the country. MinnesotaCare’s child health insurance plan covers children younger than 21 years of age who do not qualify for Medicaid as well as those 19 or 20 years of age who are not pregnant. Families must also meet designated income requirements to qualify for different facets of the MinnesotaCare program. Furthermore, applicants must be a resident of the state and a U.S. citizen, U.S. national or qualified noncitizen.

The state regulates who qualifies for CHIP based on a screening process. After submitting an application, the Minnesota Department of Human Services (MDHS) reviews all your documents and notifies you of your eligibility. If you are asking yourself, “Can I get health insurance for my child only?” the short answer is: yes. This program helps cover uninsured children younger than 21 years of age who live with you.

How to Apply for CHIP in Minnesota

Everyone must complete a CHIP application in order to start receiving access to important medical services. During the application process, candidates must submit a variety of personal information that reveals their family’s income, household size and current insurance plans. Applications are processed by the MDHS. Anyone wondering how to apply for CHIP in Minnesota should know there are a few different ways to begin.

Applying for CHIP online is the fastest way to learn about your eligibility status and coverage options. The online web portal acts as an insurance marketplace, connecting you with applications for a variety of government assistance programs. To apply for MinnesotaCare, you must register for an online account. Anyone already enrolled in another program, such as Medical Assistance (MA), should not create an account.

You can also apply for CHIP coverage by downloading the application, printing it out and completing it. When you are finished with the application, you may fax, mail or return it in person to your county office. Call the CHIP number if you require assistance with filling out the application.

You may need to submit a variety of documents during the application process, such as the following:

  • Proof of identity (i.e. a Social Security card or birth certificate)
  • Proof of income (i.e. a federal tax return or recent paystub)
  • Proof of residency (i.e. rental agreement or utility bill)
  • Information about current health insurance (i.e. policy numbers)

For more details on how to apply in your state, download our free informative guide.

What is included with Minnesota CHIP coverage?

CHIP benefits, coverage and eligibility vary based on a number of factors, including household size, income, age and residency status. Covered services may also be free or require monthly premiums depending on these conditions. After submitting a CHIP application, the state notifies the applicant of their eligibility and whether they qualify for free coverage.

The coverage types offered under the MinnesotaCare depend on the applicant’s information. Some of the standard CHIP coverage and services include prescriptions, hospital stays, family planning, doctor visits, emergency room care, immunizations and vaccines.

Minnesota CHIP insurance does not cover everything. Some of the services that are excluded from MinnesotaCare include cosmetic surgery, fertility drugs and in-vitro, weight loss medications and medical cannabis.

Your benefits package will outline the specific services covered by your plan. Rather than applying for a specific type of coverage, you complete a general application and await the results from the state.

How much is CHIP health insurance in Minnesota?

The cost of services for Minnesota CHIP varies between applicants. Factors such as income, age, residency and current health insurance help the state determine the coverage type and cost of the insurance plan.

The children’s health insurance program provided through MinnesotaCare has different costs for different people. Children younger than 21 years of age do not pay a monthly premium, co-pays or deductibles for covered services. However, most other enrollees pay a monthly premium determined by their annual income. MinnesotaCare premiums are determined on a sliding scale.

How long do Minnesota CHIP benefits last?

Everyone enrolled in MN CHIP must renew their benefits each year to continue receiving coverage. MinnesotaCare sends out renewal notices to all members when it is time for them to renew their coverage. Some enrollees may have their coverage renewed automatically and will receive a notice explaining this process. There are no lapses in coverage during renewal periods. All enrollees will continue benefitting from the program as long as they still qualify each year.

CHIP benefits expire each year if you do not renew them. By law, you must report any changes during this renewal period. These changes include changes in health coverage offered, changes in income and a change of address. You must complete the renewal form, including the updated information, within 30 days of receiving it to remain eligible for coverage.