Explaining the Texas Child Health Insurance Program

Parents in Texas may look at the rising health insurance premiums and wonder how they can possibly manage to keep their children insured against accidents and illness. Having health care coverage assures your children have access to medical care. Health insurance pays for routine checkups and immunizations, prescription medication, hospital services, and other medical and health costs. Parents who get group coverage through their place of employment or some other organization can often add their children to their own plans. Parents who can’t get insurance through their employer often don’t have a way to insure their children.

Fortunately, the state of Texas provides health insurance for the children of families who earn more money than will allow them to qualify for Medicaid, but can’t afford to buy private insurance policies for their children. The Children’s Health Insurance Program provides coverage to all eligible children. Any adult who loves with an uninsured child, including grandparents, legal guardians, and adult siblings, can apply for coverage under the Children’s Health Insurance Program. To qualify, you must be making less than a specific amount of money per month. This amount varies, depending on the number of children in the household. The citizenship and immigration status of the child’s parent doesn’t affect their ability to receive benefits, but the child must be under age 19 and either a U.S. citizen or a legal permanent resident. Families which are enrolling for the first time will have a ninety day waiting period before some aspects of their coverage come into effect. Women who are pregnant can also be covered under the perinatal program.

Enrollment fees for the Children’s Health Insurance Program are fifty dollars or less per family, depending on their income. Some low income families may receive coverage for free. Most co-payments for doctor’s visits and prescription drugs range between three and ten dollars, making the Children’s Health Insurance Program affordable for almost everyone. Your Children’s Health Insurance Program application can be ordered over the phone or downloaded from the program’s website. You can then mail or fax in all the appropriate documents.

Children covered under the Children’s Health Insurance Program should maintain continuous coverage. The plan should be renewed every six months to prevent a lapse. If the coverage is permitted to expire without renewal, your child may be subject to the ninety day waiting period all over again. You’ll receive your renewal information in the fourth month of coverage, which should be plenty of time to gather the paperwork you need and send it in for renewal. The Texas Children’s Health Insurance Program makes it possible for every child to have health insurance and get medical attention when they need it, not when their parents can afford it. If you think that you might qualify for this program, visit their web site or call them to find out further information and see if your child can be part of the Children’s Health Insurance Program.

 

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