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The Kentucky Children’s Health Insurance Program (KCHIP) is a low cost, or free in some cases, health insurance program for children who are 19 and under who do not have health coverage. If the children are in families that have annual incomes of less than 213% of the federal poverty level, they are eligible for this program. In this case, children are considers the natural children, stepchildren, and adopted children that reside in the home.
On January 1, 2014, the Affordable Care Act made some changes to the program. Now, the eligibility is determined by using the family size along with the modified adjusted gross Income on the tax filers in the home.
What Are the Income Limits?
Keep in mind that the income limits can change year to year. The current limits for 2015 are as follows:
• 1 family member = $2,139 monthly income before taxes, and $25,668 annually before taxes.
• 2 family members = $2,894 monthly income before taxes, and $35,728 annually before taxes.
• 3 family members = $3,560 monthly income before taxes, and $43,800 annually before taxes.
• 4 family members = $4,406 monthly income before taxes, and $52,872 annually before taxes.
• 5 family members = $5,162 monthly income before taxes, and $61,944 annually before taxes.
• 6 family members = $5,917 monthly income before taxes, and $71,004 annually before taxes.
• 7 family members = $6,673 monthly income before taxes, and $80,076 annually before taxes.
• 8 family members = $7,429 monthly income before taxes, and $89,148 annually before taxes.
If the family has more than eight members, you will add $756 per month for each additional family member.
What Does KCHIP Cover?
The program will provide a substantial amount of coverage for the children. It includes dental care, doctor visits, hospitalization, outpatient hospital services, psychiatrists, lab tests and x-rays, hearing services, vision exams, prescription medications, and mental health services. In addition, children will also be eligible to receive well-child checkups, physical therapy, speech therapy, glasses, immunizations, and more.
The copayments for the service are very affordable. For generic drugs, the cost is $1, for preferred drugs, the cost is $4. Non-preferred drugs are $8, and a non-preventative office visit is $3. Non-emergency use of the ER is $8, and in patient hospitalization is $50.
You can apply via a paper application, or you can apply online through the Kentucky Health Benefit Exchange. Applications are available for download, or you can pick them up through doctor’s offices, hospitals, schools, pharmacies, and more. When applying, you will need to provide proof of income. This includes pay stubs from the previous two months, or a letter from an employer that states your wages. If you are self-employed, you will need to include a copy of your last year’s income tax return. In addition, you need proof of expenses for the childcare, proof of citizenship, and proof of identity.
Your children need to have health insurance. If you believe that your children could qualify for KCHIP, you should apply today. Even if you aren’t sure if you meet the qualifications, you can go through the process to see if you can get any assistance.