Health Insurance
for Children:
Tips and Information
According to 2005 U.S. Census data, 8.3 million kids in the
United States are without
health
insurance. This means more than 11 percent of kids in the U.S.
have limited access to immunizations, prescriptions and regular
developmental check-ups to keep them healthy.
The statistics are even grimmer for poor children: Nearly 20
percent of children in poverty do not have coverage, according to
2005 Census data.
What is SCHIP and what does it cover?
S-CHIP, an acronym for State Children's Health Insurance
Program, is run by Medicaid and is the fruit of a bipartisan
congressional effort to cover kids whose parents' income is too high
to qualify for public assistance, but too low to afford private
health insurance.
SCHIP is regulated by each individual state, which means that
some qualification guidelines may vary. Nonetheless, for those that
qualify, SCHIP may cover the following care for children under the
age of 18:
- Regular physician visits
- Immunizations
- Prescription medication
- Emergency care and hospitalization
- Dental care
- Vision care
Other facts about SCHIP:
- SCHIP has been around since 1997.
- In general, children under 18 living in a family (of four)
earning less than $34,100 per year can be covered under SCHIP.
- SCHIP is not a welfare program; both parents can be employed
and still have kids who qualify for coverage.
- Parents do not have to provide information about their
immigration status when applying for SCHIP.
- Application for children's health insurance is easy; most
states allow application by mail or phone.
- Parents, household members and legal guardians can apply for
SCHIP.
Get children's health insurance today! Use
InsureMe to get matched with agents in your area.
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