As the new school year approaches, families are encouraged to prioritize health coverage for their children through the Children's Health Insurance Program (CHIP) or Medicaid. These programs offer free or low-cost health insurance for eligible children and teens up to age 19, providing essential services that support academic success and overall well-being.
Many families may be surprised to learn that they qualify for coverage. Eligibility varies by state and is based on family income and household size. In most states, children from a family of four earning up to $80,000 per year may be eligible, and in some states, the income threshold is even higher. This means that even families who think they earn too much might still qualify.
Health coverage through Medicaid and CHIP includes a range of services that directly impact a child's ability to learn and participate in school. Annual checkups and school physicals prepare children for physical activities and identify any health issues early. Preventive care helps keep children healthy throughout the year, reducing absenteeism. Dental care prevents toothaches and cavities that can lead to missed school days. Vision and hearing services support classroom learning, while mental health care addresses emotional well-being. Prescription medications and specialized services for children with disabilities ensure that all children have the support they need to thrive.
Applying for coverage is simple and can be done by phone, mail, in person at a state Medicaid or CHIP office, or online at InsureKidsNow.gov/coverage. Enrollment is open year-round, so families do not need to wait for a specific enrollment period to get their children covered. However, once enrolled, coverage must be renewed every twelve months, making it crucial to keep contact information up to date with the state office to avoid lapses in coverage.
For more information, families can visit InsureKidsNow.gov or call 1-877-KIDS-NOW (1-877-543-7669). This information is provided by the U.S. Department of Health & Human Services.
