Rhode Island CHIP is administered by the Executive Office of Health and Human Services, Department of Health. The program is designed to assist pregnant women, parents, guardians and children living in low-income households with medical expenses. By providing health, vision and dental insurance for free or very little cost, the Children’s Health Insurance Program (CHIP) makes sure all residents have access to health care when needed without going into debt due to medical expenses. While many procedures covered under this insurance program require residents to pay copayments, these charges are usually easily affordable. Residents who qualify for coverage can seek preventive and necessary medical treatments whenever needed.
It is important for residents who are financially struggling to review the RI CHIP insurance eligibility guidelines and benefits. By learning more about this program and how to qualify, residents can ensure they have proper insurance coverage for themselves and their children, regardless of their household earnings. To find out more about this program, including the eligibility guidelines, application process and how the insurance coverage works, read through the following information.
What is CHIP in Rhode Island?
In Rhode Island CHIP and Medicaid are combined to make up the RIte Care program. Applicants who meet eligibility guidelines for the program are given the choice between three different health insurance programs, all of which are considered a part of the federally funded Medicaid program. These insurance plans include:
- Tufts Health Plan.
- Neighborhood Health Plan of Rhode Island.
- UnitedHealthcare Community Plan.
When choosing a health insurance for kids plan, eligible program enrollees can review the medical providers that participate in each program and the types of benefits offered. Generally, all three programs provide comprehensive dental, medical and vision health insurance coverage without charging monthly premiums.
The purpose of the program is to ensure children, pregnant women and the parents or guardians of minors living in low-income households can afford to seek medical treatment. This helps these low-income residents to avoid accruing significant medical debt that can make it hard for them to eventually gain financial independence.
To learn more about CHIP, download our informative program guide.
Who does Rhode Island CHIP cover?
Potential program applicants may wonder, “What is Rhode Island CHIP eligibility criteria and do I or my child meet these requirements?” It is important for all potential applicants to review the qualifications for the program before attempting to enroll. This will allow these applicants to more thoroughly understand the benefits available and whether they will be accepted into the program to receive these benefits. First, to meet CHIP eligibility criteria, an applicant must be one of the following:
- The parent or guardian of a child younger than 18 years of age
- A pregnant woman
- A child younger than 18 years of age
Additionally, there are specific income guidelines that must be met by an applicant for coverage approval. These income guidelines vary, depending on the age and situation of the applicant. RI CHIP application low-income guidelines are also determined by the number of household members currently residing in the applicant’s home. These low-income qualifications are set by the program based on the government’s current Federal Poverty Level (FPL), which can change annually.
To find out more about the CHIP program, download our informative guide.
How to Apply for CHIP in Rhode Island
If you think you or your child qualifies for the Rhode Island Child Health Insurance Plan, you should thoroughly complete the application process for potential coverage approval. You can apply for program coverage using one of the following methods:
- In person
- By mail
If you have questions about CHIP coverage or how to complete the application as you are going through the online process or filling out the paperwork at home, you can call the office to speak with a representative. To apply for the program by mail, you must download and print a hard copy of the application, fill it out and mail it in. Alternatively, you could visit a local Department of Health or a HealthSource RI office and ask for a blank copy of this application to complete at home.
To apply for CHIP online in RI, you must create an online account and fill in all information the system asks for. You can also log back into this system at any time after you have applied to check your application status. The online system is also a helpful way to learn more about the steps in the application process and the benefits you may qualify for.
Before using one of these methods to complete the CHIP application, you should gather the necessary information you will need. You should first consider gathering documentation and information that confirms your:
- Residency status.
This may include your driver’s license, paycheck stubs or tax returns. By first collecting these documents, you will be able to provide more thorough and accurate information on the application or through the online system.
What is included with Rhode Island CHIP coverage?
Rhode Island CHIP benefits provide comprehensive medical, dental and vision coverage to eligible applicants. To utilize the coverage, beneficiaries can only visit medical providers that accept this type of insurance. There are many types of treatments that are covered under the RIte Care programs.
Some of the most common treatments that beneficiaries seek using these benefits include:
- Prescription drugs.
- Parenting classes.
- Hospital care.
- Lab tests.
- Mental health services.
- Doctor’s office visits.
Beneficiaries can seek many medical, dental or vision health services using CHIP, but these services and treatments must be considered preventative or necessary. The benefits will not cover services that are not needed or cannot directly improve a program enrollee’s health and wellness.
How much is CHIP health insurance in Rhode Island?
If you feel you are a resident who qualifies for CHIP in Rhode Island, you can receive free comprehensive health insurance coverage for yourself or your child. There are no monthly premiums charged through the RIte Care program, no matter which health insurance plan you choose. However, when you attempt to seek treatment or services with a participating health care provider, you may need to pay a copayment before services are rendered. These copayments may vary, depending on the provider and the treatment sought, but are generally low and affordable.
How long do CHIP benefits last in Rhode Island?
You can enroll in the Children’s Health Insurance Program in Rhode Island whenever you need insurance and feel you may qualify for coverage. There is no specific open enrollment period for the program. Upon approval, coverage usually lasts for one year. If you feel you or your child still qualifies for coverage after this year-long term, you can attempt to renew your benefits through the program.