What Is the SCHIP Program?

SCHIP, the State Children's Health Insurance Program, provides health insurance to children from low- and moderate-income families. The United States Department of Health and Human Services operates the program in partnership with state government agencies.

Legal Background

• In 2009, President Barack Obama signed Congressional legislation reauthorizing CHIP benefits and funding through fiscal year 2013. Parents who apply to the program for their children must verify that they are American citizens, earn too much income to qualify for Medicaid, and do not participate in a private health insurance program. Families of four earning up to $44,100 per year will probably qualify for benefits.

State Programs

• The states have much flexibility in setting eligibility criteria and operating procedures. State coverage varies, but many include dental and optical, as well as medical benefits. Income limits range from 160 percent to 400 percent of the U.S. poverty level, which was $22,050 for a family of four in 2009. Some states bundle CHIP with Medicaid and other health insurance programs onto a single application format.

Apply for CHIP

• As with all government programs, application is free and confidential. Call 1-877 KIDS NOW (1-877-543-7669) to apply over the telephone. Counselors can help you to complete the application. To apply by mail, use the interactive map on the CHIP website to link to your state's CHIP site, and then download and print a paper application.