Applying for KCHIP Lexington health insurance
KCHIP, or the Kentucky Child Health Insurance Program, is a version of health insurance for Lexington and the rest of the state of Kentucky that is sponsered by the state and provides coverage for eligible children. KCHIP is not only for when a child has an emergency, but it also useful for helping prevent future problems by going to the doctor for well check ups and receiving vaccinations. It is for children in Kentucky who are unable to afford medical health insurance, but who are also unable to qualify for Medicaid.
To get started with KCHIP, you need to fill out an application. In order to do this, you will have to go to an eligibility office in your area. These offices are usually open from eight to five, and if you don’t know where one is, you can look it up in the phone book. You need to remember what you should take with, which is:
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two months worth of pay stubs for every working person that lives with you
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if you have any other type of income, such as Social Security, take the last award letter.
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proof that you have childcare with receipts from the daycare or nanny
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medical insurance info, but only if your kid had insurance at least si months ago
If your child was insured at some point within the past six months, there is certain information that you need to provide. This information includes what the company that insured your child was called, what plan your child had, and what the number of your policy or group was. You also need to provide the dates in which the policy was in effect, the person whose name is the main one on the policy, and anybody else whose name is on the policy.
Cheers,
Fashun Guadarrama.
After you apply for KCHIP Lexington health insurance
There are several offices in Lexington for health insurance by KCHIP, and once you have dropped off your application to insure your child with KCHIP, then there will be a process that will be followed. These offices tend to be busy, so if you want to see a case worker that same day, you should either go early and plan on waiting, or just drop off your application and expect a call from your case worker. Once you get called in or called back by the case worker, they will ask you a number of questions in order to determine whether or not your child is eligible for KCHIP and, if so, then for what kind.
While you are in the office with the case worker, you will also be able to ask questions and request that he or she provide you with information about the program. It is now that is the best time to find out as much as you can about the child health care plan that your kid will be provided with, because while there are many health insurance companies that have open call lines for you to ring up and ask questions about your plan, it’s not so easy when you are getting your insurance from the government, so you should take advantage for this opportunity for clarification.
If the application or the interview do not satisfy, that doesn’t mean that your child will not be able to qualify for KCHIP. The case worker who gives you the interview is going to request that you bring back extra information so that they can determine your case. This can be frustrating, but just bear with it. If you don’t have the extra information back within ten days, then your kid won’t be able to get KCHIP, so make sure you turn it in on time.
Cheers,
Fashun Guadarrama.
Premium payments for KCHIP Lexington health insurance
If you are unable to pay your premium for KCHIP, then you will have to go to the nearest Lexington health insurance office and try again, which will start the process all over, with another application, interview, and everything. You can still get approved after defaulting on a premium, but since it is such a hassle and having health insurance coverage is so important, it should be avoided at all costs. To make sure you pay on time, remember that premiums are do on the 5th every month.
Even if you do take a while to make a premium payment, but still pay it on or before the due date for the first payment, your child will still be covered during that time although you may have to be reimbursed and make the payment for their treatment initially. If your child gets approved, then his or her coverage begins that same day that you applied at the office, even if you weren’t approved yet. So if you had to take your kid to the doctor or hospital while waiting for approval, that is covered, too.
If you are sending the payment through mail, then you need to take precaution to send it at least a week ahead of time, so that the office has plenty of time to receive and process the payment before the due date. If you mail it on the due date, then your child will likely lose his or her coverage. The amount isn’t too much–every family pays twenty dollars a month, whether they have two kids or eight. If you don’t pay your premium, then you will have to pay twenty dollars more in order to apply again for coverage for your child.
Cheers,
Fashun Guadarrama.
Income eligibility for KCHIP Lexington health insurance
Medicaid is one of the easier types of federal assistance to get, but it still disqualifies many families who are unable to provide health insurance for their children. The number of families without child health insurance in Lexington, Kentucky is particularly high, and that is why the state program, KCHIP, exists to help families who fall through the Medicaid gap receive assistance for their children. The decision of who is and isn’t eligible for KCHIP depends on the age of the children involved and how much their parents make. You don’t have to be below the poverty level to qualify your kids for KCHIP–the cap is 200% of the poverty level.
An example of a family who is 200% of the federal poverty level is a family with two adults and two kids that brings home slightly over forty thousand every year. There are different requirements for the number of people in every family. If you have a family of five people, the cap is $48,260. For six, it is $55, 220. For seven, it is $62,180. If you have more children than that, contact your KCHIP office that is local to find out what the maximum income for your family size is. The income, you should be aware, is based on how much you make every year before taxes are taken out, not what you actually bring home.
The income limits for KCHIP don’t always remain the same, as they have to be adjusted for inflation and changes in wages. If you are unsure of your income, make sure that each April you check and see what the new limits are so that you don’t waste time applying only to find out that your are ineligible.
Cheers,
Fashun Guadarrama.
Health insurance for Columbia University
Reader question:
I’m just been accepted as a student at Columbia University in New York, and I heard that you have to have health insurance to go there. Is that true?
Albert
Yep.
You could say that Columbia is looking out for its students by requiring every student who attends classes there full time to be covered by a decent Columbia health insurance plan. It’s both trying to make sure that it is not responsible for any student ‘accidents’ and to make sure that its students are provided with proper health care. It can seem like a huge burden for many students to buy expensive health insurance after many are already putting forty thousand dollars a year into Colombia just for tuition and their dorm. It’s important as a student at CU, then, to compare health insurance quotes and determine which plan is best and cheapest for you.
Like most universities, Columbia University has clinicians on the campus who can help treat you if you fall ill or get injured and can prescribe you medication. However, there are many emergency situations that these clinicians are not qualified to deal with, and Columbia wants its students to be able to go get good health care from a hospital at these times.
Columbia doesn’t just leave its students hanging out to dry and having to find health insurance coverage on their own or else. Rather, it offers a program called the Student Medical Insurance Plan with which students can register for basic or comprehensive coverage. Whenever you register for classes full time at this school, your name is immediatly enrolled in this plan. If you already have health insurance and those don’t want to use the Columbia health insurance plan, then you can submit a waiver.
Cheers,
Fashun Guadarrama.