Sometimes even the twenty dollar per month premium required by the Kentucky Child Health Insurance Plan is too much, and you can lose your coverage for your child by either failing to pay the premium or failing to renew the coverage at the end of the twelve month cycle. When you do this, you will have to go to a local DBCS office to reapply for KCHIP coverage. Your coverage is not immediately canceled after missing one payment, but rather immediately after you miss your second payment. If you manage to apply the same day that you lose your coverage, there will be no gap.

If you lose your coverage, you will owe $20 of past due premium payments. If you make this payment, then you will be able to reapply.You don’t have to wait any certain amount of time to reapply after you have made the past due payment. The same process goes for when you reapply, and you will have to double the premium pay for the first month and it must be made within two months of your receipt of the premium payment bill.

If the reason that you couldn’t afford to pay the last premium was because of a significant change in finances, then it’s possible that you may be eligible for Medicaid instead of KCHIP. If this is the case with you, then you should try applying for Medicaid instead of KCHIP. If you get aproved to receive Medicaid assistance for your child, then you don’t have to pay the past due KCHIP premium. If you don’t, though, you are required to pay it for the next twelve months. If that much time passes, then you can re apply for KCHIP without paying the past due amount.

Cheers,

Fashun Guadarrama.