Many parents add their children to their group coverage at work. Parents who are unable to insure their children with dependent coverage through an employer have other options. Both programs are for children from birth through age 18. Medicaid emphasizes preventive health care. Medicaid health coverage is provided at no cost to qualifying children.
Eligibility is based on income, the size of the family, and the number and ages of the children.
CHIP coverage is offered by private insurance companies and HMOs and is available statewide. Most families also have copayments for doctor visits, prescription drugs, and emergency care. CHIP benefits are comparable to those offered by private employers and are designed to meet the needs of children. Benefits include hospital care, surgery, X-rays, therapies, prescription drugs, mental health and substance abuse treatment, emergency services, eye tests and glasses, dental care, and regular health checkups and immunizations. Coverage is certified for 12 months.