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.
What Else Do I Need to Know About the Kentucky Child Health Insurance Plan?
Many children are provided with health insurance by their parents or through their parents’ employer, but many times that health insurance is less than perfect. Child health insurance often does not cover the types of things that children need most, and if you have only partial insurance coverage, you may want to get assistance from the state of Kentucky to help you supplement that coverage so that your child does not go without. Unfortunately, you can’t get KCHIP if your kid is already insured, no matter how sparely. What you can do is apply for Medicaid.
If you choose to cancel your insurance policy and get KCHIP, then your child may have to wait six months before they can receive child health insurance coverage through this state insurance plan. This will never be the case for families who make little enough to qualify for KCHIP and not be required to pay a premium. However, if you are trying to insure a previously covered infant and your income is at least 186% of the federal poverty level, then you will have to wait six months. The same applies to any child up to the age of eighteen whose family makes at least 156% of the federal poverty level. If you lost your insurance in circumstances that you could not take charge of, you can get this waiting period waived.
There are children who may have been previously insured but who do not need to wait, nor pay a premium, in order to receive KCHIP. They are able to be insured as soon as they are approved, regardless of how they came to be uninsured. These children include those between the ages of one and five whose parents make at least 134% of the federal poverty level, and at least 150%; and kids between six and eighteen whose parents make at least 101% and at most 150%.
Cheers,
Fashun Guadarrama.