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Learn About CHIP in New York

In New York CHIP is offered through Child Health Plus, a state health insurance plan for low-income families. It is a federal aid program designed to provide health care coverage to children who do not qualify for Medicaid and are not eligible for employer health insurance. The Children’s Health Insurance Program (CHIP) is available in all 50 states, though each state is responsible for administering its own version of the program. It is funded by states and the federal government. To qualify, applicants must meet certain income and family size requirements. The program is available in every state. Child Health Plus offers health insurance for kids at an affordable price. Some enrollees may even qualify for free insurance based on their incomes.

CHIP benefits and eligibility requirements differ from state to state. The federal government sets guidelines for the program, but it is up to the state to decide how to distribute coverage. For more information about the program, including the eligibility requirements, review the following sections.

What is CHIP in New York?

CHIP insurance in New York is known as Child Health Plus, the designated health insurance program for children younger than 19 who do not qualify for Medicaid. Some states offer a CHIP Medicaid combination program, but in New York, the two programs are considered separate. To enroll in Child Health Plus, families must have a monthly income considered too high for Medicaid but too low to afford private coverage. The program gives children vital access to a variety of health care services, like doctor visits, hospitalizations and much more.

The cost of CHIP coverage depends on applicants’ income and family size. Some enrollees may qualify for free insurance while others are required to pay set monthly premiums to receive coverage. Premium amounts also vary depending on income and household size.

To learn more about the cost of coverage, download our informative guide here.

Who does New York CHIP cover?

All applicants are held to strict CHIP eligibility requirements in order to receive program benefits. The New York State Department of Health is responsible for determining the qualifications of the program. To qualify for the child health insurance plan, applicants must have a monthly income that falls within a certain range in reference to their household size. Children younger than 19 years of age who do not qualify for Medicaid are eligible for the program. Furthermore, all applicants must be residents of the state and U.S. citizens, U.S. nationals or other qualified noncitizens.

Only after submitting a CHIP application can residents be certain of their eligibility status. The state reviews all applications and supplemental documents to confirm eligibility for the program. If you are wondering, “Can I get health insurance for my child only?” the best way to inquire about your eligibility is to apply for the program.

How to Apply for CHIP in New York

All applicants must apply for CHIP benefits in order to be considered for the program. It is a requirement of all candidates and the only way to determine program eligibility. Completing a CHIP application requires those interested in accessing benefits to submit various documents that contain information about income, household size, state residency and U.S. citizenship. All applications are processed by the state Department of Health. There are a few different ways you can begin. No matter the method you choose, the state will review your information and notify you of a decision in a timely manner.

Applying for CHIP online is the quickest way to determine your eligibility and begin receiving benefits. The department offers an electronic application on the designated web portal that you can use to register. To complete the CHIP application process, you must answer a few questions about your family and income during the registration process.

You may also apply for CHIP coverage by phone by contacting the state’s health insurance customer service line. Otherwise, you can visit a CHIP office or find help enrolling in Child Health Plus at your local community enrollment center.

During the application process, you may be asked to provide the following documents:

  • Proof of residency.
  • Proof of identity.
  • Proof of income.
  • Proof of citizenship.

For more details on how to apply in your state, click here to download our informational guide.

What is included with New York CHIP coverage?

New York CHIP provides free or low-cost health care coverage to eligible children around the state. Those enrolled in Child Health Plus can choose to receive treatment from a list of accepted providers. Enrollees receive the same coverage, regardless of their income or household size. The cost of services may vary, but each beneficiary is covered for particular medical services.

There are many CHIP benefits offered through the Child Health Plus program. Covered services include:

  • Physical exams.
  • X-rays.
  • Lab tests.
  • Dental care.
  • Emergency services.
  • Prescription medications.

Child Health Plus allows enrollees to seek medical services from a list of providers. It is important that all enrollees verify that the provider they choose accepts Child Health Plus insurance. If not, they will be responsible for any outside costs. This list does not cover all the benefits of the program.

How much is CHIP health insurance in New York?

The cost of CHIP insurance in New York is contingent on an applicant’s income and family size. The state Department of Health determines the cost of the program after reviewing the documents submitted during the application process.

CHIP coverage may be available for free for certain applicants who meet particular income requirements. Other enrollees must pay monthly premiums to receive coverage. These premiums vary based on family size and monthly income. Families will pay a premium for each child covered under the program, though there are maximum limits. New York CHIP normally does not require enrollees to make any copayments for services. As long as they receive care from an approved provider, they do not need to pay anything for services at the time of visit.

How long do CHIP benefits last in New York?

CHIP coverage must be renewed every 12 months in order for children to continue receiving benefits. The state will notify all enrollees when it is time to renew their coverage. Typically, the state sends these notifications 60 days before the one-year anniversary of enrollment.

You may renew your CHIP benefits online if the renewal notice states that you are eligible to do so. You may be required to renew online or be given a choice of how to renew. If you are given a choice, you may decide to renew in person at a physical location. Be sure to keep the renewal notice for your records and bring it with you if you choose to apply in person.

Regardless of how you choose to renew CHIP insurance, you must include any changes that may affect your child’s coverage. For example, you must report a change of address, change of income or change in family size.