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.