1. Mississippi Children’s Health Insurance Program

Introduction

Mississippi CHIP provides coverage for uninsured children up to age 19 whose family does not exceed 209% of the federal poverty level. Families may earn up to 209%. It is a free low-cost private health plan for children meeting family size/income requirements.

Services Covered under CHIP

• Dental
• Vision
• Immunizations
• Routine checkups
• Prescriptions
• Inpatient and outpatient hospital care
• Lab and X-ray services
• Emergency services

Eligibility

• Children under age 19
• Ineligible for Medicaid
• Uninsured
• US citizen

How CHIP differs from Medicaid

• Both provide insurance for low income families
• Both are jointly funded by federal and state governments
• Medicaid is intended to provide care for the poorest children
• CHIP was created to provide children who are still apart of low income families but do not meet requirements for Medicaid
• Medicaid must offer specific services as part of Federal regulations
• CHIP has not been mandated to offer specific services as part of federal regulations

Comparison of 2 additional state programs

*Starting November 1, 2019 CHIP will have 2 contracts with Molina Healthcare and United Healthcare Community Plan. This ends the current Magnolia Health Plan.

United Health Care

• No premium
• No copayment
• Prescriptions covered
• Dental coverage up to 2500 dollars
• Health products up to 900 dollars
• Meal program
• Vision coverage up to 250 dollars

Molina Health Care

• Government sponsored program
• Will have Medicaid (CHIP) plans, Medicare, and Medicare Advantage Plans

2.

• Please briefly introduce the State Children’s Health Insurance Program (SCHIP) of your state of residence.
  • • California’s Children’s Health Insurance Program (CCHIP) is the children program in the state of California. It is regulated by the state and federal to provide low-income children with health care insurance. The program was established through the Balanced Budget Act of 1997. Main purpose was to expand coverage to the uninsured children.
• What kind of services are covered?
  • Services that are covered by the CHIP are:
    • Routine Check-ups, Immunizations, doctor visits, prescriptions, dental/vision care, inpatient/outpatient hospital care, laboratory, x-ray, and emergency services.
• What are the eligibility?
  • To be eligible, children up to age 19 with low income of $49,200 per year (family of 4).
• How does SCHIP differ from your state’s Medicaid?
  • SCHIP is similar to Medi-cal in California, but it is more targets the uninsured low-income children and pregnant women with income that are too high to be qualified for Medi-cal but low to purchase private insurance (DHCS).
• Review two (2) additional state’s (SCHIP) programs and do a comparison to your state of residence.
  • In New Jersey, the SCHIP program is called New Jersey Family Care, which is also federal and state to assists NJ residents of any age group to have access to affordable insurance (NJ FamilyCare). The eligibility for children under the age of 18 is the income up to 355% FPL, and renewal each year. The similarity with California CHIP is the services provided for the children and how the program is funded through the government.
  • The other state is Utah’s CHIP, which gives coverage for uninsured children and teen. The eligibility requirement is that the child must be under 19 year of age, no health coverage, and is a US citizen or legal residents. The Again, the similarities are the covered services provided in this program. Also, it is funded by the state and federal governments.

References:

Department of Health Care Services. (n.d.). Children’s and Youth Health. Retrieved from https://www.dhcs.ca.gov/services/Pages/ChildrensHealth.aspx

NJ Familycare. (n.d.). NJ Familycare. Retrieved from http://www.njfamilycare.org/what_cover.aspx

Utah Department of Health. (n.d.). CHIP. Retrieved from https://chip.health.utah.gov/faqs/

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