The Children's Health Insurance Program (CHIP)

Август 12, 2022

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The Children's Health Insurance Program (CHIP)

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2. INTRODUCTION OF CHIP The Children's Health Insurance Program (CHIP) – formerly known as the State Children's
3. HISTORY OF CHIP The Children's Health Insurance Program grew out of years of work in the
4. GOALS OF CHIP Safety: All children have the right to live in an environment free from
5. STRUCTURE OF CHIP
6. CHIP builds on Medicaid’s success providing health coverage to children since 1965. States can use their
7. FINANCE OF CHIP Federal and state governments jointly finance CHIP, although the federal government assumes a
8. States facing funding shortfalls can obtain additional funding through a child enrollment contingency fund and allotment
9. ELIGIBILITY Children :States have broad flexibility to set their CHIP income eligibility levels. Most states cover
10. Pregnant Women: CHIPRA (2009) allowed a state to amend its CHIP plan to cover pregnant women
11. RELATION WITH INDIA CHIP has a partnership with many indian private and goverment companys which list
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INTRODUCTION OF CHIP
The Children's Health Insurance Program (CHIP) – formerly known as the State

Children's Health Insurance Program (SCHIP) – is a program administered by the United States Department of Health and Human Services that provides matching funds to states for health insurance to families with children.
The program was designed to cover uninsured children in families with incomes that are modest but too high to qualify for Medicaid.

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HISTORY OF CHIP
The Children's Health Insurance Program grew out of years

of work in the U.S.congress to improve Americans' health coverage. Almost a decade prior, the U.S. Bipartisan Commission on Comprehensive Health Care was formed in 1989 and charged with recommending “legislative action to ensure coverage for all Americans.”
The Commission, renamed the Pepper Commission in honour of its creator and first chair Representative Claude Pepper (D-Fla.), laid out a blueprint to achieve universal coverage.
CHIP covered 7.6 million children during federal fiscal year 2010, and every state has an approved plan.

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GOALS OF CHIP
Safety: All children have the right to live in

an environment free from abuse and neglect.
Permanency: Children need a family and a permanent place to call home.
Child and Family Well-Being: Children deserve nurturing environments in which their physical, emotional, educational, and social needs are met.

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STRUCTURE OF CHIP

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CHIP builds on Medicaid’s success providing health coverage to children since

1965. States can use their federal CHIP funds to finance coverage for children whose family incomes are too high to qualify for Medicaid under the rules the state had in place as of June 1997.
States may opt to use CHIP funds to expand Medicaid for children beyond the June 1997 levels, cover children through a separate CHIP program, or combine the two approaches. As of January 1 2017, 15 states (including the District of Columbia) opted to use CHIP funds to expand their Medicaid programs. In the remaining 36 states, map here, CHIP funds are used to run a combination or separate health insurance program.

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FINANCE OF CHIP
Federal and state governments jointly finance CHIP, although the

federal government assumes a larger share of the financing with an enhanced federal matching rate ranging from 65 to 82 percent, an average of 15 percentage points higher than Medicaid’s matching rate.
This capped funding is distributed through state-specific allotments established by a statutory formula that accounts for the state’s actual use of CHIP funds and is adjusted for health care inflation and child population growth.

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States facing funding shortfalls can obtain additional funding through a child

enrollment contingency fund and allotment increases are available for states with approved plans to expand eligibility or benefits.

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ELIGIBILITY
Children :States have broad flexibility to set their CHIP income eligibility

levels. Most states cover children up to or above 200 percent of the federal poverty level (FPL); the median across states is 255 FPL. States expanding coverage up to 300 percent of the FPL receive an enhanced federal match rate. States opting to expand coverage to children above 300 percent on or after FY 2009 receive the regular Medicaid match for their coverage
Age :States may cover children up to 19 years of age.

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Pregnant Women: CHIPRA (2009) allowed a state to amend its CHIP

plan to cover pregnant women with CHIP funds. States using their CHIP plan to cover pregnant women must cover up to at least 185 percent of FPL. The income eligibility level must also be equal to or greater than income limits in Medicaid. This coverage is eligible for the enhanced federal match. Currently.
Parents and Other Adults: CHIP law does not allow coverage of parents and adults. Although a handful of states previously obtained waivers from the federal government to cover uninsured adults and parents, these waivers expired and are no longer allowed in CHIP. States may be able to receive funding outside of CHIP to continue coverage for those already enrolled.

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RELATION WITH INDIA
CHIP has a partnership with many indian private and

goverment companys which list is followed below :
HDFC health suraksha.
Apollo munich optima restore family.
Star family health optima.
Oriantle insurance happy family floater policy.
SBI life smart health insurance.