Help for Uninsured Children in West Virginia
Are you looking for quality affordable health insurance for your children in West Virginia? Many families find themselves struggling to afford health insurance coverage for their children in these difficult economic times. West Virginia CHIP (Children’s Health Insurance Program), West Virginia’s implementation of the federal State Children’s Health Insurance Program (known as SCHIP) provides health insurance coverage for children who meet income and other eligibility requirements. The West Virginia CHIP Program covers all medical needs, including regular doctor visits, hospital visits, dental and vision, laboratory tests, and immunizations, among others. There are some important points to understand and consider if you are seeking low-cost quality health insurance coverage through the West Virginia CHIP Program:
To qualify for the West Virginia CHIP Program, your child must live in West Virginia, be under 19 years of age and must be a U.S. citizen or legal resident. Legal residents need to have lived in the United States for at least five years to be eligible. Your child needs to be uninsured, not eligible for Medicaid, and have been without insurance for 6 months (unless the insurance was loss due to no fault o the parent or guardian). There are additional exceptions to the six month waiting period, see www.wvchip.org/insurance.shtml for details. Your family must also meet certain income guidelines as well. According to information provided by the West Virginia Department of Health, a family of four with a gross (pre-tax) annual income of less than $55,125 may qualify for the program. If your family earns slightly more than the income limit, you may be eligible for some deductions, such as deductions for child care expenses. See www.wvchip.org/eligible.shtml#1 for details.
There are no monthly premiums or enrollment fees associated with the West Virginia CHIP Program. Most preventive, routine services, such as immunizations and regular well checkups, are provided free of charge. There are co-payments, however, for some services. The co-payments are determined based on family income and there is a maximum annual amount families would be expected to pay in co-pays.
How to Apply
You can apply for the West Virginia CHIP Program online, or you can fill out an application and mail it in. You can request an application or request assistance at 1-877-WVA-CHIP (1-877-982-2447). You can also download the application at http://www.wvchip.org/2007%20documents/2007%20CHIP%20Application.pdf. You can also apply online at www.wvinroads.org.
When completing your application, be sure to complete all questions, provide all of the additional documentation required, and sign your application before you mail it. If you need additional assistance with your application, there are a number of community outreach and enrollment sites that can help you. A list of these sites is available at http://www.wvchip.org/2010%20documents/Community%20Partner%20Agencies%20(InRoads)%2005-10.pdf