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Learn About CHIP in New Jersey

New Jersey CHIP insurance may be available to state residents depending on their household income, household size and medical needs. The Children’s Health Insurance Program is a nationwide government assistance program that is offered through New Jersey Family Care (NJFC). This program is funded jointly by the state and the federal government. NJFC was implemented to provide coverage for children and families who do not have employer-offered insurance. The program is available in every state, though it goes by different names and often has varying requirements. Getting affordable health insurance for kids is made possible through this federal aid program, as most children up to a certain percentage of the Federal Poverty Level (FPL) qualify for coverage.

The program is administered at the state level, which accounts for the slight differences in program requirements, benefits and qualifications across various states. For more information about the program, review the sections below.

What is CHIP in New Jersey?

CHIP in New Jersey is a government-funded insurance plan for children provided through the NJ Family Care (NJFC) program. Children 18 years of age and younger are eligible to receive health care coverage through this plan. CHIP Medicaid and other assistance programs all fall under the NJFC program. Qualified enrollees receive access to several important health care services, including doctor visits, hospitalizations, lab tests and more. It is a free or low-cost insurance program, depending on income, designed to provide an affordable method of receiving vital medical care to families across the state.

CHIP coverage is standard throughout the program, though services may vary slightly between applicants. Once enrolled, beneficiaries must choose a health care plan offered in their county. Each health care provider determines the covered services and application procedures. For example, CHIP dental coverage is an important service for many applicants. Others may place a higher premium on other medical services. Additionally, the cost of the program varies depending on income and on the size of the household.

To learn more about the program, you can find everything you need to know by download our informative guide here.

Who does New Jersey CHIP cover?

To enroll in NJFC, applicants must meet CHIP eligibility requirements that are set by the state in accordance with federal guidelines. The NJFC child health insurance plan is available for children who are not currently covered by any other insurance plan. Families applying for the program must provide documents that show their annual income falls within a certain range. Furthermore, all applicants must be New Jersey residents and U.S. citizens, nationals or qualified noncitizens.

Submitting a CHIP application requires candidates to provide information that proves residency within the state, as well as their income and the size of their household. The state approves applicants who meet all the program requirements after reviewing these documents. If you are wondering, “Can I get health insurance for my child only?” there are several different health plans offered through the program, all of which cover a variety of medical services.

How to Apply for CHIP in New Jersey

To apply for CHIP benefits in New Jersey, applicants must complete the official application from the NJFC. During the application process, candidates will be asked to provide proof of meeting the requirements of the plan. This includes submitting documents that show income, identification, state residency, U.S. residency and family size. When you complete the CHIP application process, the state reviews the information and verifies the validity of the form. There are several different ways to apply for the program. Regardless of the method used to apply, the state reviews the information and notifies applicants of a decision in a timely manner.

You can apply for CHIP online using the web portal provided by the Division of Medical Assistance and Health Services. This is the fastest way to determine your eligibility and enroll in the program. The online browser will ask a series of questions to determine if you qualify for coverage.

If you need help applying for CHIP, consider visiting a county enrollment office. You can meet face-to-face with a state worker, who is able to guide you through the application process. Alternatively, call the CHIP number of your local office or the customer service line to speak with a representative for additional help.

During the application process, you must provide proof of meeting the program requirements. Be sure to gather documents that prove:

  • Identity.
  • Income.
  • Residency.
  • Citizenship.

To learn more about the application process in your state, click here to download our information guide.

What is included with New Jersey CHIP coverage?

NJ CHIP insurance offers free or low-cost health care coverage and medical services to children and families across the state. Each state is responsible for setting coverage limits and determining covered services. In New Jersey CHIP health care coverage is offered through five different providers. Approved candidates may choose a plan that fits their medical needs. The specific plans offered through the NJFC program vary by county. Most counties offer all five provider plans, but some may only offer three.

CHIP benefits provided through NJFC span a variety of health care services, such as:

  • Preventive health screenings
  • Dental exams
  • X-rays
  • Eyeglasses
  • Prescription medications
  • Regular checkups

Certain services may be restricted for applicants whose income falls within a certain range. Before seeking treatment, all beneficiaries should confirm that the health care provider accepts NJFC insurance. This is the best way to avoid receiving treatment outside of the coverage zone, which usually results in fees or additional payments.

How much is CHIP health insurance in New Jersey?

The cost of CHIP insurance in New Jersey varies for each applicant. All candidates of the program are required to submit documents that show income, residency and size of household. The state takes these factors into consideration when determining the cost of the program.

Some New Jersey CHIP members qualify to receive free health care coverage. Others, however, must make monthly premium payments to receive coverage. The premiums are billed for the family, not for each individual beneficiary. Likewise, copayments may be required when receiving certain services.

How long do CHIP benefits last in New Jersey?

CHIP coverage in New Jersey is valid for a period of one year from the date of approval. All beneficiaries must renew their benefits each year to stay in the program. Children covered by the NJFC program will continue receiving benefits as long as their families still qualify each year.

CHIP renewal is important. Applicants must notify the department of any changes that may affect their family’s coverage. Changes may include having another baby, changing jobs, moving or changing last names. During the CHIP benefits renewal period, some applicants will receive a preprinted form asking them to confirm household size. Others will receive a blank application that they must complete and return within a certain amount of time. Failing to respond to these requests places applicants at risk of losing coverage.