Sunday, January 23, 2011

FREQUENT QUESTION ANSWER

Questions and Answers
The federal government and the states together offer health insurance coverage for children through Medicaid and the Children’s Health Insurance Program (CHIP). These programs serve families who are not able to afford health insurance coverage in the private market or do not have coverage available to them.
Every state's program is unique and has individual income eligibility rules and benefits covered, but in general, children in families with incomes up to $44,100 per year (for a family of four) are likely to be eligible for coverage. Use the INSUREKIDSNOW..GOV MAP to find state-specific information about Medicaid and CHIP programs.
You probably have many questions about applying for low-cost or free health insurance for your children. Here are some questions and answers to get you started.

MEDICAID/CHIP PARTICIPATION

HERE ARE SOME FACT

National Facts
•Medicaid and CHIP together served more than 35 million children in 2008
•CHIPRA added $33 billion in federal funds for children’s coverage over the next four and one-half years (2009 – 2013)

•Recently released Census Bureau data indicates that the number of uninsured children in the U.S. decreased from 8.1 million in 2007 to 7.3 million in 2008, the lowest since 1987.
•Although the uninsured rate for children in poverty decreased to 15.7 percent in 2008, from 17.6 percent in 2007, children in poverty were more likely to be uninsured than all children.

•Among uninsured children living with a parent, nearly 60% live in two-parent households

•The vast majority of uninsured children (88.2 %) come from families where at least one parent is working.

•71 percent of uninsured children in the U.S. have family incomes below 200% of the Federal Poverty Level ($36,620 for a family of three in 2009).

•88 percent of all low-income uninsured children are eligible for Medicaid or CHIP.

HEALTH INSURANCE POLICY OF USA GOVT

CHILDREN HEALTH INSURANCE

Children’s Health Coverage Programs in New York
Medicaid and CHIP provide no-cost or low-cost health coverage for eligible children in New York. Even if your children have been turned down in the past or you don’t know if they qualify, you may be able to get health coverage for them now.
Medicaid and CHIP provide health coverage for children so that they can get routine check-ups, immunizations and dental care to keep them healthy. They can also get doctor visits, prescription medications and hospital care when they’re sick, and much more.
How to Get Started
Call 1-877 KIDS NOW (1-877-543-7669) to talk to someone in New York or check out the state websites below.
Medicaid/CHIP information in New York

INSURANCE POLICY AND LOANS

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www.insuranceusa.com