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Learn About CHIP in Oklahoma

In Oklahoma CHIP is a program designed to assist low-income residents with their medical expenses. The program is specifically focused on helping children younger than 19 years of age, but there are additional eligibility guidelines that can expand this requirement. This medical insurance program, known as the Children’s Health Insurance Program, is federally funded and available throughout the country. However, each state is responsible for mandating eligibility guidelines and administering the application processes. In Oklahoma, the program is also commonly referred to as SoonerCare, and it encompasses Medicaid, expanding the eligibility guidelines for coverage.

Oklahoma CHIP insurance requires no monthly premium payments from its enrollees and can be used for several medical, dental and vision services. The program is offered to eligible beneficiaries to ensure low-income families can provide proper health care to their growing children without dealing with hefty medical expenses. To find out more about how CHIP Medicaid and other government assistance insurance programs work, review the following information.

What is CHIP in Oklahoma?

Low-income parents and guardians may wonder “What is CHIP in Oklahoma and how can it help my child?” This program is administered by the state’s Department of Human Services (DHS) and was designed to provide free or affordable health care to qualifying applicants. After being accepted into the program and obtaining an insurance card, a beneficiary can seek medical treatment, dental care or vision screenings at medical facilities through health care professionals who accept this insurance.

As one of the most popular health insurance for kids, this program includes comprehensive coverage and accepts all eligible candidates. Since OK CHIP benefits are also grouped together with Medicaid as SoonerCare, the eligibility criteria to qualify for coverage is broader than in most other states. Potential applicants who are not sure of whether they are eligible for this program should still complete the application process. They could potentially qualify just for Medicaid benefits and obtain covered medical treatment through the program.

To learn more about how these programs work together, look over our informative online guide.

Who does Oklahoma CHIP cover?

The Oklahoma CHIP application asks for several important pieces of information from an applicant. This includes his or her income, citizenship status, residency status and age. While most children’s insurance programs across the country require applicants to be younger than 19 years of age to qualify, the SoonerCare program has broader age requirements, since it is also the state’s Medicaid program. To qualify for coverage, an applicant must be:

  • A resident of Oklahoma.
  • A U.S. citizen or legal alien.
  • Not covered by any other health insurance.
  • Living on a low income.

Additionally, to be eligible for the child health insurance plan, the applicant must be one of the following:

  • A child younger than 19 years of age
  • An adult with at least one child younger than 18 living with him or her
  • A pregnant woman
  • A resident over the age of 65
  • A resident living with legal blindness or another qualifying disability

How to Apply for CHIP in Oklahoma

Once you know who qualifies for CHIP in Oklahoma, you can begin to assess your own situation to see if you should apply for health coverage. The Department of Human Services (DHS) can assist you throughout the application process if you have questions or need to check the status of your application. You can find a local office near you, or you can call the toll-free number to speak with a representative.

You may be able to apply for CHIP online, depending on which category you are applying for. If you are a resident older than 65 years of age or you are living with a disability, you currently cannot apply online. You must visit a local office to complete the application process.

However, to apply for CHIP coverage in Oklahoma as a pregnant woman, a resident younger than 19 or an adult parent of a minor living at home, you can utilize the online system. You must create an account, answer all questions and submit the online application to begin the process.

If you are wondering how to apply for CHIP in OK using other methods, keep in mind you can complete the application in person at a local office or you can mail in your application. However, if you are eligible to apply online, it may be more convenient since you can call a representative at any time for assistance. You can also complete your application in several sessions and save your progress as needed.

To find out more about applying for CHIP, download our comprehensive guide.

What is included with Oklahoma CHIP coverage?

While the Oklahoma CHIP benefits provided to eligible applicants are expansive, the program only covers medical treatments and health care that is preventive or necessary. The program sets guidelines that ensure beneficiaries only use coverage to keep themselves or their children healthy and thriving. Some of the most common medical services that are covered by the program include:

  • Ambulance rides.
  • Dental services.
  • X-rays.
  • Nurse midwives.
  • Prescription drugs.

The Children’s Health Insurance Program (CHIP) also provides beneficiaries with a list of participating medical providers that they can visit to seek treatment. If beneficiaries visit medical providers who are not on the list, they may be responsible for the medical expenses accrued for treatments.

How much is CHIP health insurance in Oklahoma?

If a program applicant meets the OK CHIP eligibility guidelines, he or she is provided with health insurance coverage without needing to pay monthly premiums. However, when the beneficiary attempts to utilize coverage by visiting a medical provider, he or she may be responsible for paying copayments before treatment is given. The copayments may vary, depending on the treatment needed.

How long do CHIP benefits last in Oklahoma?

Generally, an Oklahoma CHIP insurance policy includes one year of coverage. Beneficiaries will receive notifications in the mail before their policies are set to expire. If they feel they are still eligible for benefits through CHIP, they can reapply for additional terms of coverage. However, if a beneficiary no longer meets the qualifications of the program, he or she will not be eligible for another year of insurance through the program. Changes to income, residency or household configuration can affect program eligibility.