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Children's Health Insurance Program Analysis

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Review of the Children’s Health Insurance Program
The Children's Health Insurance Program (CHIP) is a United States program developed in 1997 intended to cover uninsured children of families with incomes that exceed Medicaid guidelines, but cannot afford private insurance. Families who qualify for CHIP will receive medical coverage at a free or low cost fee. It is a federally funded, state run programs that allows states to set their own eligibility requirements and policies within broad federal guidelines. In some states, CHIP covers pregnant women, however, each state determines CHIP coverage, and works closely with its state Medicaid program (Centers for Medicare & Medicaid Services, n.d.). Healthcare coverage is critical for children …show more content…
CHIP covers children ages birth to 19 and in some states pregnant and nursing mothers. Anyone who is US citizen and a resident in the state for which they are applying may fill out and application. All states have income guidelines that must be met, and those falling below Medicaid levels cannot qualify. Most families receive CHIP coverage absolutely free while others can get the same benefits at a low cost. Coverage and cost depend on the number of members in the household as well as total household income. CHIP offers an array of health insurance companies who offer kids quality, comprehensive coverage. Families have a choice of major insurance companies in their area with a full network of physicians, specialists and care facilities, and operates the same as private insurance. Most children can continue to see their current physician as long as the office accepts the insurance provider chosen. Once enrolled in CHIP full coverage is guaranteed for 12 months unless family incomes drop below guidelines or they move states and must be renewed on a yearly bases. CHIP has had a major role in insuring high-risk children and bringing rates of child health insurance in this country to the highest in history. CHIP provides preventative health services that include vaccinations, screenings, and counseling, and also extends to cover pediatric dental and vision care. (Pennsylvania …show more content…
In January 2018 after an unprecedented 114-day lapse in funding for CHIP and a government shutdown, Congress extended funding for six years for the popular, bipartisan health program that serves 9 million children across the country (Families USA, 2017). This came as a great relief to the millions of families who rely on CHIP for their children’s healthcare needs. Strengths and Weaknesses
One weakness of CHIP is that there are eligibility limits based on state requirements, and as of January 2016, Arizona had the lowest eligibility limit for children’s coverage, at 152% of the poverty level, while New York had the highest, of 405% ( Glover,

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