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CHIP (sometimes referred to as SCHIP) is a partnership between the federal government and the states which provides health insurance for targeted children under age 19 who do not qualify for Medicaid. Basically, the idea is to provide health coverage for children in families which earn too much to qualify for Medicaid but too little to afford private health insurance.
All states have a CHIP plan.
Each state sets its own rules for eligibility within the federal guidelines. CHIP allows coverage for children of families earning up to 200% of the Federal Poverty Level or 50% points higher than the state had previously covered under Medicaid.
States either deliver CHIP as an expansion of Medicaid, through a state designed or private program, or a combination of the two.
Some states have obtained waivers to permit coverage of adults.
All CHIP programs cover:
- In patient (in hospital)
- Out patient
- Emergency care
- Many kinds of specialist care
- Most states cover mental health and substance abuse services
States may use managed care plans to deliver CHIP.
To learn more about CHIP in your state, including eligibility requirements, how to apply, and coverage, contact your local agency. Contact information for each state is listed at: www.cms.hhs.gov/LowCostHealthInsFamChild/downloads/StateSCHIPDirectors.pdf 
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