What is the Child Health Plus Program (CHIP)?

CHIP is a free or very low-cost health insurance plan offered through New York State for children who have no health insurance or have a health insurance plan that offers benefits that are less comprehensive than CHIP. If you are working or are self-employed, your children may be eligible for CHIP.

What services does CHIP cover?

CHIP covers, among other things, regular well-child checkups, immunizations (shots), hospitalizations, outpatient surgery, x-rays, lab tests, dental care, vision care, prescription drugs and emergency services. Basically, most of your child's health needs will be covered.

Is my child eligible if he or she has a medical problem at the time of application?

Yes. Even if your child already has a medical problem, he or she may still be eligible for CHIP.

Who is eligible for CHIP?

Children under the age of 19 who are not eligible for Medicaid are eligible for CHIP if they have limited or no other health insurance. You can enroll your child in CHIP even if your family income is much higher than the income allowed under the Medicaid program.

How much will CHIP cost me?

There are no co-payments for services or benefits provided under the CHIP program, but you may have to pay a family contribution to enroll in CHIP. This amount varies depending on how much money your family makes. If your gross family income is low, there is no family contribution.

The exact income limits change each year, so you should call the New York Department of Health or apply to find out what the new limits are.

Who are the doctors I can use under CHIP?

Once you enroll, you will get a list of the doctors in your area who you can see if you have CHIP. If you already have a doctor, you can ask her whether she is on the CHIP list.

Where do I call for more information about CHIP?

You may call one of the following:

•NY Department of Health 1-800-698-4KIDS

•Blue Cross/Blue Shield of the Rochester Area 1-800-650-4359

•Blue Cross/Blue Shield of Central New York 1-800-282-0068

Related Sites:

New York State - Child Health Plus website

 

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Legal Assistance of Western New York, Inc.

This article provides general information about this subject. Laws affecting this subject may have changed since this article was written. For specific legal advice about a problem you are having, get the advice of a lawyer.  Receiving this information does not make you a client of our office.