Health-insurance programs that are designed for kids are available from many states. Many state programs are a variation of the state-federal partnership known as CHIP or the Children's Health Insurance Plan. States also have other health insurance programs available for children from low-income families. Many of these programs are offered in addition to a state's version of Medicaid. These programs have an age limit as well as in income-level requirement.
Chidren's Health Insurance Program
The Childrens' Health Insurance Program or CHIP is a state and federal partnership program for children and pregnant women who do not qualify for state Medicaid programs. Each state designs its own CHIP program, including any eligibility requirements that need to be met. The federal government provides funds that are capped at a certain amount and then matched by each state. Approximately 7.4 million children were enrolled in CHIP during the 2008 fiscal year.
Arizona Kids Care
The Arizona Kids Care program is a low-cost health insurance program that is available for children under the age of 19. Children who qualify can obtain a single health plan that provides coverage for medical, dental and vision care. The cost of the program is based on a family's income and how many children qualify for the program. The maximum cost is $35 a month for all children in a family that qualifies. Coverage includes doctor's visits and hospital visits, as well a emergency medical care.
Colorado Children's Health Insurance Plan
The low-cost health insurance program that is available in Colorado is called Child Health Plan Plus (CHP+). The program is available for children who reside in the state, are younger than 18 and cannot obtain coverage through a private insurer or Medicaid. The plan allows low-income families to obtain the preventative care that is needed for their children. There is an annual enrollment fee of $25 per child or $35 for two or more children.
Florida KidCare
The Florida KidCare program is a health-insurance program that is provided to children who live in the state and are younger than 19. Eligibility for the program depends on a family's income and the age of the child. The program was established by the state legislature in 1990 to provide access to heath insurance for uninsured children. The program is designed for lower-income families who are not eligible for Medicaid and cannot afford other health insurance.
Illinois AllKids
The AllKids program provides comprehensive health insurance to children in the state regardless of income. Children need to be younger than 18 to be eligible for the program. The program covers approximately 1.3 million children who reside in the state. The program will cost an average family about $40 a month per child with a $10 co-pay per doctor's visit.
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