Children's Health Insurance Program (CHIP)

Every child deserves to grow up healthy and happy. To help them get there, kids need regular checkups and medical care.

If your child doesn’t have health insurance, there’s help. The Children’s Health Insurance Program (CHIP) offers low-cost or no-cost coverage for infants, children and teens. It’s designed to help children get the care they need as they develop.

Each state runs its own CHIP program, and Medicaid helps pay for it. Your state will have specific rules about who qualifies and what’s covered.

Does my child qualify for CHIP?

CHIP is for children who can’t get insurance elsewhere. Your child may qualify, even if you make too much to receive Medicaid.

Can I apply if I’m not the child’s parent?

Grandparents, aunts, uncles – anyone can apply as long as they have legal custody (Your state may use the term “legal guardian”). The good news is you can apply at any time. Note: If you apply once and your child isn’t accepted, don’t give up. Programs and rules may change, and your child could qualify later on.

What does CHIP cover?

CHIP offers coverage for a wide range of services, including:

  • Well-baby doctor visits
  • Shots
  • Hospital care
  • Prescriptions
  • Emergency care
  • Dental and vision care

What does CHIP cost?

For some plans, your cost is nothing. For others, you may need to pay a small amount each month and when your child gets care. But there’s a limit – no more than 5 percent of your annual income.

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