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.