What is SCHIP?

SCHIP, or State Children’s Health Insurance Program, provides health insurance to uninsured kids and teens that are not eligible or enrolled in a medical assistance program. Like Medicaid, SCHIP programs are run separately by each state under the guidelines set by the federal Centers for Medicare and Medicaid Services (CMS). States are free to design

SCHIP programs separate from Medicaid or use federal funds to expand their Medicaid Program (Children’s Medicaid), or use a combination of the two.

Why do I need this?

If you can’t afford adequate health insurance for your children, applying for SCHIP ensures that your children’s basic health costs are covered. As of 2008, SCHIP served approximately 7.3 Million children throughout the country.

What are covered by SCHIP?

Although SCHIP programs are run separately by state, federal rules require that States’ SCHIP cover the following:

•             Routine check-ups

•             Immunizations

•             Dental

•             Inpatient and outpatient hospital care

•             Laboratory and x-ray services

Do I Qualify for SCHIP?

If you cannot afford health insurance for your children but your family earns too much for Medicaid, you may be eligible.  Each state has different guidelines. In most cases, SCHIP covers for uninsured children who are 18 years old or younger and belong to families who have a yearly income up to $44,100 (for a family of four). Contact your State’s SCHIP agency for more information. Keep in mind that the annual income limit varies depending on family size.

How do I Apply?

You can find State SCHIP info at: http://www.insurekidsnow.gov/state/index.html. For more information, please click on this link to be taken to the proper directory.