CHIP program:For children without health coverage

Posted: Tue Apr 14, 2009 01:52 pm Post Subject:

Hi, I've come to know of the CHIP dental insurance recently. There are categories of services that are being offered under the CHIP dental namely-
(i)Therapeutic & (ii) Preventative

Steven

Posted: Wed Apr 15, 2009 11:31 am Post Subject:

Its a common notion that CHIP is available only to those who are lying in the low income bracket but CHIP benefits are now being extended to all kids who can't qualify for or get enrolled to health insurance. You really have to check with the local department to know more about the availability of CHIP program in your area.

Posted: Wed Apr 15, 2009 11:37 am Post Subject:

Its true that all kids under the age of 19 years would qualify for the CHIP program. However, income would still remain the qualifying criteria. Families above the income threshold may have to pay low premium and co-pay for certain services to avail these benefits for their kids.

Posted: Wed Apr 15, 2009 11:49 am Post Subject:

Dear all..

I've found out that these preventative services would be worth a maximum of $175 for 12 months. Such services would comprise of regular check-ups, routine cleanings, precautions for decay as well as X-rays. These services would be equally distributed amongst all children.

Fatman

Posted: Wed Apr 15, 2009 05:04 pm Post Subject:

CHIP program is good for families that cant afford health insurance and dont have it through an employer. CHIP program covers children under a certain age and is free to people who meets certain income levels. However higher income does not necessarily exclude your child from the program. In many cases with moderate income you will be required to pay a small monthly premium, which compared to buying the health policy yourself on the market is an excellent deal. There is also Family Health Plus which covers adults with certain incomes. These are federal programs regulated by the state you live in and thus the state sets the rules, check with your state Dept of Health.

Posted: Thu Apr 16, 2009 05:53 am Post Subject:

Hey, what the CHIP coverage would cost to an average income household, who are just above the qualifying income but don't make adequate either?

Posted: Thu Apr 16, 2009 12:22 pm Post Subject:

Hi jeorge,

A majority of the children who've been enrolled with CHIP program would come under Tier I.

The CHPRA allows states to offer premium subsidy to children belonging to the low-income group. The only requirement is that such children have to qualify for coverage under an employer-backed group health plan.

ArindamSenIndies

Posted: Thu Apr 16, 2009 02:22 pm Post Subject:

Hi,

Such services would comprise of regular check-ups, routine cleanings, precautions for decay as well as X-rays.

Posted: Fri Apr 17, 2009 03:20 pm Post Subject:

Hi all...higher would be the tier, more would be the allowable amount limit for the therapeutic services. The tier level of a child would depend on factors like-

On-time renewal, the stretch of enrollment and Coverage gaps

Thanks, Fatman

Posted: Fri Mar 30, 2012 10:38 pm Post Subject: RjhtrcYwkb

It is my understanding of the qtisueon is Group term life insurance versus Individual term life insurance.As most subject matter experts would say, depends.Group insurance is generally the best vehicle for those whom are sick. They find themselves insurable at a group rate and cannot be denied coverage in most jurisdictions (Called GI). The negative is that your coverage level is determined by an amount set by your employer and not your individual financial situation.Individual term insurance is a good financial vehicle for those needing higher short term protection without the high premiums. Also with the knowledge that the term insurance is not portable and will be less affordable when you reach a higher age.