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Learn About CHIP in Utah

The Utah CHIP program provides health insurance coverage to children who are currently living in low-income households. The benefits provided through the program are important to families because they allow them to seek important medical treatments and preventive care without paying hefty medical expenses out-of-pocket. The Children’s Health Insurance Program is both federally and state funded, but each state is responsible for administering its own rules and regulations. The Utah Department of Health, Department of Workforce Service administers benefits, determines additional program eligibility guidelines and accepts applications for potential beneficiaries throughout the state.

CHIP insurance in UT is only available to children who meet all program eligibility requirements. These include residency requirements and low-income guidelines. Upon approval, children can seek medical treatment using the insurance. Families are only responsible for paying low quarterly premium payments and affordable copayments when seeking treatment. To find out more about the benefits children can obtain through this program, the qualifications and the application methods available, read through the following information.

What is CHIP in Utah?

The Utah health insurance for kids program is designed to offer low-cost health, vision and dental insurance coverage to children living in low-income households. Families that do not currently have health insurance coverage for their children are encouraged to apply for program benefits. Without insurance, it is less likely that families will seek preventive treatments and medical care for children. This can lead to unhealthy situations or to serious medical consequences, which can cost more money in the future. It can also lead to permanent health conditions or long-term medical concerns for these children.

With CHIP Medicaid and other health insurance programs for low-income families, medical treatments can be attained by these low-income families without worrying about cost. Only low quarterly premiums and affordable copayments are expected from program beneficiaries. As long as they continue to meet the program’s eligibility guidelines, they can continue receiving the benefits of CHIP coverage options.

Who does Utah CHIP cover?

In Utah CHIP eligibility guidelines are strict and include low-income, age and residency requirements. The parent or guardian of a child applicant can complete the application process for a beneficiary. When filling out the CHIP application, a parent may need to provide extensive information about household income, so he or she should have this evidence prepared. More specifically, the eligibility guidelines for the program are as follows:

  • To qualify for the program, applicants must be younger than 19 years of age.
  • Qualified program beneficiaries must live in Utah and they must also be legal U.S. citizens or permanent residents. Parents do not have to prove their own citizenship statuses.
  • Insurance coverage. Applicants cannot be currently insured through private insurers or under their parents’ employer-based health insurance. They also cannot currently be insured through the Medicaid health coverage program or eligible for the program.
  • Low income. To qualify for benefits, an applicant’s household must meet the program’s low-income guidelines. These requirements are set using the Federal Poverty Level (FPL), which can increase each year. Children living in households with two full-time working parents may still qualify for benefits.

CHIP insurance eligibility guidelines are extensive because the department wants to ensure that only children who truly need this low-cost health insurance coverage receive it. Since there is limited federal and state funding for the program, it is important that coverage is allotted correctly and effectively to needy residents.

How to Apply for CHIP in Utah

If you are wondering how to apply for CHIP in Utah, keep in mind there is no specific enrollment period. You can enroll for coverage for yourself or your child at any time during the year. The CHIP application can be completed online or by mail. You can also choose to visit a local eligibility office to speak with a representative and obtain assistance applying for program benefits. There are several pieces of important information you must provide when applying for program benefits. This information is used by program representatives to determine your eligibility for coverage. You are required to provide:

  • The age of the applicant.
  • The applicant’s residency and citizenship status.
  • Income earned by all household members.
  • Current health insurance, if any.

To apply for CHIP online in UT, you must create an online account with the Department of Workforce Services’ website. Once you have provided all the information requested and submitted your online application, you can log in to your personal account to check the status of your application at any time.

To apply for CHIP benefits by mail, you must print an application online. You can also call the department to request a mailed blank application. Additionally, you can visit a local eligibility office with no application and complete the process with the assistance of a representative. To learn more about the program’s application process, review our informative guide.

What is included with Utah CHIP coverage?

Utah CHIP coverage is comprehensive and includes medical, dental and vision insurance. Therefore, parents can seek many types of medical procedures and treatments for their children for little to no cost. Some of the most common treatments that many program beneficiaries seek through this insurance include:

  • Immunizations.
  • Emergency room visits.
  • X-rays.
  • Wellness exams.
  • Prescription drugs.

If a service or treatment is recommended by a medical provider or is deemed as preventive or necessary, it is usually covered under the program.

Utah CHIP dental coverage options also include many different procedures and services. The most common of these are:

  • Dental cleanings.
  • Fillings.
  • Oral surgery.
  • Fluoride treatments.
  • Exams.

How much is CHIP health insurance in Utah?

Program enrollees may wonder, “What is CHIP’s cost?” if they are new to the program. The quarterly premium amounts due for beneficiaries are usually small and extremely affordable. Since beneficiaries are earning low incomes and cannot afford private insurance, the department keeps these premiums as low as possible.

In addition to CHIP premium amounts, beneficiaries are also responsible for copayments when they seek treatment with the coverage. These copayments are also affordable and may vary, depending on the services sought. Preventive health care services, such as wellness exams, may not require copayments. To learn more about CHIP insurance copayments and quarterly premiums, download our comprehensive online guide.

How long do CHIP benefits last in Utah?

After you have completed the Utah CHIP application process, the department will contact you to let you know about your eligibility status. Depending on the workload of the department and how much you completed on your application, it can take a few weeks for you to hear back about your eligibility.

If it is concluded that you meet all CHIP eligibility requirements, you will receive insurance cards valid for one year. After the first year, you can re-apply for benefits if you feel you still qualify for the program. You may be asked to provide income information again during the re-application process.