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Texas Childrens Health Insurance Program (CHIP)

The Texas Children’s Health Insurance Program (CHIP) is designed for families who earn too much money to qualify for Medicaid, yet can’t afford to buy private health insurance for their children. CHIP coverage provides eligible children with coverage for a full range of health services including regular checkups, immunizations, prescription drugs, lab tests, X-rays, hospital visits and more.

Texas CHIP Benefits

• Health insurance for your child brings you peace of mind. You already worry about your child. With child health coverage from CHIP you won’t have to worry about medical bills and medical attention as well. With coverage from CHIP, you will have the peace of mind of knowing that your child’s care will always be affordable to you.

• Texas child health insurance recognizes prevention as a key to a healthy childhood. Children need inoculations and visits to the doctor for check-ups in order to stay healthy. Frequent basic check ups can prevent a host of serious problems. Yet, many families worry about paying for the basic medical care and basic medical services that can prevent health problems. With coverage from CHIP, your family will easily be able to afford the basic doctor visits and check ups that will keep your child healthy.

Texas CHIP Eligibility Requirements

Family group size and budget resources are used to determine a child’s eligibility for CHIP/Children’s Medicaid. A group, according to CHIP includes: The eligible child and the siblings under age 19, parents (natural/adoptive) or step-parents living in the home, spouse of married children and their mutual children and independent children. Here are the main things that TX CHIP looks at in all applicants:

1) Income

Families with income above 150% FPL have a countable asset limit of $10,000. Countable assets include vehicles and assets that can be readily converted to cash such as bank accounts, cash-on-hand, and stocks, bonds and savings certificates. Assets of all members of the family size/budget group should be counted.

Families with income above 150% FPL and countable assets exceeding $10,000 must complete a CHIP Asset Questionnaire. Families with income at or below 150% FPL are not subject to this assets test. A family’s income, after allowable expenses are deducted, must be below 200% FPL. This includes the income of all people included in the family size/budget group.

Verification must be provided for all countable income at both application and renewal. Countable income includes wages, self-employment, Social Security (retirement, survivor and disability), child support, alimony, unemployment, and Veterans Administration benefits.

2) Other Insurance

Children cannot be covered by CHIP/Children’s Medicaid and other Texas health insurance at the same time. Families with private insurance that cost greater than 10% of the family’s gross income must be able to drop the insurance before CHIP coverage can begin. Families with private insurance that costs less than 10% of the family’s gross income are not eligible for CHIP.

3) Residency

CHIP provides coverage to U.S. citizens, Legal Permanent Residents (LPR) ineligible for Medicaid, and non-citizens who meet Alien Status requirements for Medicaid but are over the income and/or the resource limits for Medicaid. When filing an application, the family must provide a Social Security number or proof of legal residency for all eligible children. There are exceptions for children who are six months old or younger and certain independent children. Children meet the residency requirement if they live in Texas or if they intend to make Texas their home. By including a Texas residence on their application, a family indicates its intention to “make Texas their home.”

Compare Texas Childrens Health Insurance Quotes Now!

The Texas Children’s Health Insurance Program is a program designed to help families who are ineligible for Medicare, but still need assistance with health insurance for their children. If you meet the financial and residency requirements outlined in CHIP you are eligible to receive help in paying for your child’s health insurance.

If you are unsure whether you will meet the income, other insurance, and residency tests of Texas CHIP or even if you just want to get a benchmark price comparison then use our free insurance quote finder tool at the top of the page or on our home page.

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