National Health Insurance for Children

Several federal-sponsored health insurance programs are designed specifically for children. The Children's Health Insurance Program (CHIP) provides free or low-cost insurance coverage for more than seven million American children. The Medicaid insurance program, available in every state, provides insurance coverage to children from low-income families. The Centers for Medicare & Medicaid Services (CMS) work in collaboration with the states to provide CHIP and Medicaid services to eligible families. In 2009, President Obama signed a bill that provides more coverage for children through the CHIP and Medicaid programs.

The Children's Health Insurance Program (CHIP)

• The Children's Health Insurance Program (CHIP) is funded by the federal government and administered by the states. CHIP is available to individuals up to age 19 who are U.S. citizens or permanent residents. Each state designs its own CHIP program and determines what services are included; however, all states are required to include routine checkups, immunizations, dental care, hospital care, and lab and radiologic services as part of their CHIP program. Preventive care is provided to children for free, but families may incur costs for additional services.

CHIP Eligibility

• Each state determines the specific eligibility factors for its CHIP program. In general, the maximum annual income for a family of four is $44,100 for children to be covered. Those seeking CHIP coverage for their kids must contact the program administrator in their state. Families are required to complete an application and submit additional documentation.

Medicaid

• Medicaid is a free or low-cost insurance program offered to low-income families, pregnant women and disabled people. Available to U.S. citizens and permanent residents, Medicaid is a national insurance program administered by the states. Medicaid has a separate program dedicated to children called the Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) service. Medicaid covers the costs of immunizations, preventive care, screening and treatment of health conditions, doctors and hospital visits, and vision and dental care.

Medicaid Eligibility

• All children up to age 18 with household incomes up to $22,050 per year are eligible for Medicaid. All states provide Medicaid insurance to infants in households where the annual income does not exceed $40,790 for a family of four. Children up to age 6 in households where annual income does not exceed $24,350 are eligible for Medicaid.