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Well actually, any time you need it. It seems that in today's economy, instead of getting a job where you earn benefits, many companies are hiring contractors, putting the responsibility of health insurance and retirement planning back on your shoulders. We have gathered together hundreds of resources that you can use to help you decide which insurance is best for you, where the deals are, and even where to find free or cheap insurance for your kids. No need to go without coverage- one serious incident could wipe out your savings. Take a look at what we found and do some investigation on your own. You can be covered by insurance for less than you think.
Good LuckMatthew Lesko
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Free one-on-one counseling is available to seniors and, in most areas, people with disabilities, to answer questions like:
The program is called Health Insurance Counseling and Advocacy Program (HICAP) and is sponsored by the Centers for Medicare & Medicaid Services. In most states, it is usually run by the state Department on Aging or the State Insurance Commissioner's office. If that fails, contact the Eldercare Locator hotline at 1-800-677-1116; http://www.eldercare.gov/Eldercare/Public/Home.asp
Cover the Uninsured is another source of leads to health care options in your area. They have information on who the uninsured are, how people get coverage, and the costs. The website offers free state-by-state information pages, which list resources for finding health care insurance, coverage and services in each state. This is available in both Spanish and English. Go to: www.covertheuninsuredweek.org/stateguides or for questions, call 202-572-2928 or email: email@example.com
The Kaiser Family Foundation (KFF) develops and runs its own research and communications programs, often in partnership with outside organizations. The Foundation contracts with a wide range of outside individuals and organizations through its programs. Through policy research and communications programs, KFF works to provide reliable information in a health system in which the issues are increasingly complex. The Foundation offers reports and updates pertaining to health care and for the uninsured. Contact: The Henry J. Kaiser Family Foundation, 2400 Sand Hill Road, Menlo Park, CA 94025; 650-854-9400 or 1330 G Street, NW, Washington, DC 20005; 202-347-5270; http://www.kff.org/uninsured/index.cfm
Health care can be very confusing. Programs like Senior Healthcare Insurance Assistant Programs (SHIP) offer volunteers to the elderly to explain how insurance works. This way the seniors can use their benefits more wisely. There is no income eligibility for this program, as it is designed to help all seniors make wise health insurance choices.
AlabamaAlabama Department of Senior Services770 Washington AvenueRSA Plaza Suite 470Montgomery, AL 36130334-242-5743800-243-5463Fax: 334-242-5594http://www.ageline.net/
AlaskaSeniorCare Senior Information Office3601 C St., SuiteAnchorage, AK 99503907-269-3680800-478-6065Fax: 907-269-4973http://www.hss.state.ak.us/dsds/
ArizonaDES Aging and Adult AdministrationState Health Insurance and Assistance Program1789 W. Jefferson St., 950APhoenix, AZ 85007602-542-4446800-432-4040www.azdes.gov/aaa/programs/ship/default.asp
ArkansasArkansas Insurance DepartmentConsumer Services Division1200 West Third StreetLittle Rock, AR 72201-1804800-224-6330501-371-2782http://insurance.arkansas.gov/
CaliforniaDepartment of Aging1300 National Dr., Suite 200Sacramento, CA 95834916-419-7500800-434-0222Fax: 916-928-2268http://www.aging.ca.gov/
ColoradoDivision of Insurance1560 Broadway, Suite 850Denver, CO 80202303-899-5151888-696-7213www.dora.state.co.us/Insurance/senior/senior.htm
ConnecticutCHOICESDepartment of Social ServicesAging Services Division25 Sigourney St.Hartford, CT 06106800-994-9422http://www.ct.gov/agingservices/site/default.asp
DelawareState Health Insurance Assistance Program Department of Insurance841 Silver Lake Blvd.Dover, DE 19904 800-336-9500http://www.delawareinsurance.gov/
District of ColumbiaOffice on Aging441 4th Street, NW, Suite 900SWashington, DC 20001202-724-5622http://dcoa.dc.gov/dcoa/site/default.asp
FloridaFlorida Department of Elder Affairs4040 Esplanade WayTallahassee, FL 32399-7000850-414-2060800-963-5337Fax: 850-414-2004www.floridashine.org
GeorgiaDivision of Aging ServicesTwo Peachtree Street, NWSuite 9385Atlanta, GA 30303-3142404-657-5258800-669-8387Fax: 404-657-5285http://aging.dhr.georgia.gov/portal/site
HawaiiExecutive Office on AgingPLUS250 South Hotel St. #406Honolulu, HI 96813808-586-7299888-875-9229http://hawaii.gov/health/eoa/
IdahoDepartment of Insurance700 West State StreetP.O. Box 83720Boise, ID 83720-0043208-334-4250800-247-4422http://www.doi.state.id.us/shiba/shibahealth.aspx
IllinoisIllinois Division of Insurance320 West Washington St.Springfield, IL 62767-0001800-548-9034217-785-9021Fax: 217-524-4872www.idfpr.com/DOI/ship/ship_help.asp
IndianaState Health Insurance Assistance Program714 W. 53rd St.Anderson, IN 46013765-608-2318http://www.in.gov/idoi/2399.htm
IowaSHIIP330 Maple St.Des Moines, IA 50319-0065800-351-4664http://www.shiip.state.ia.us/
KansasKansas Department on AgingNew England Building503 S. Kansas Ave.Topeka, KS 66603-3404785-296-49861-800-860-5260Fax: 785-296-0256http://www.agingkansas.org/
KentuckyState Health Insurance Assistance ProgramCabinet for Health and Family Services275 East Main St.Frankfort, KY 40621877-293-7447http://chfs.ky.gov/
LouisianaDepartment of InsuranceSenior Health Insurance Information Program1702 N. 3rd St.Baton Rouge, LA 70802800-259-5301www.ldi.state.la.us/Health/SHIIP/index.htm
MaineBureau of Elder and Adult Services11 State House Station442 Civic Center DriveAugusta, ME 04333207-287-9200800-262-2232Fax: 207-287-9229http://www.maine.gov/dhhs/beas/
MarylandDepartment of Aging301 Preston St., Suite 1007Baltimore, MD 21201410-767-1100800-243-3425www.mdoa.state.md.us/ship.html
MassachusettsOne Ashburton Place5th floor (The McCormack Building)Boston, MA 02108617-727-7750800-872-0166http://www.800ageinfo.com/
MichiganMichigan Medicare/Medicaid Assistance Program6105 West St. Joseph, Suite 204Lansing, MI 48917800-803-7174http://www.mymmap.org/index.php
MinnesotaMN Board on Aging444 Lafayette Road NorthSt. Paul, MN 55155-3843651-296-2770800-333-2433Fax: 651-297-7855http://www.mnaging.org/
MississippiMississippi Department of Human ServicesDivision of Aging and Adult Services750 N. State St.Jackson, MS 39202601-359-4929800-948-3090www.mdhs.state.ms.us
MissouriCLAIM200 North Keene St.Columbia, MO 65201800-390-3330www.missouriclaim.org/beneficiaries/medicare_help.asp
MontanaSenior And Long Term Care Division111 North Sanders, Room 210Helena, MT 59604406-444-4077800-551-3191Fax: 406-444-7743http://www.dphhs.mt.gov/
NebraskaSenior Health Insurance Information Program941 O St., Suite 400Lincoln, NE 68508402-471-2201800-234-7119http://www.doi.ne.gov/shiip/
NevadaDivision of Aging Services3700 W. Sahara Ave., Suite 103Las Vegas, NV 89102702-486-3478www.nvaging.net
New HampshireBureau of Elderly and Adult Services129 Pleasant St.concord, NH 03301866-634-9412www.nh.gov/servicelink
New JerseyDepartment of Health and Senior ServicesP.O. Box 360Trenton, NJ 08625609-292-7837800-367-6543www.state.nj.us/health
New MexicoNew Mexico Aging and Long-Term Services2550 Cerrillos Rd.Santa Fe, NM 87505800-432-2080www.nmaging.state.nm.us
New YorkDepartment for the AgingTwo Lafayette Street, 16th FloorNew York, NY 10007-1392212-333-5511800-701-0501http://hiicap.state.ny.us/home/hiassist.htm
North CarolinaNorth Carolina Department of Insurance1201 Mail Service CenterRaleigh, NC 27699-1201800-443-9354919-733-0111http://www.ncshiip.com/Consumer/SHIIP/SHIIP.asp
North DakotaND Insurance DepartmentState Capitol, Fifth Floor600 East Boulevard AvenueBismarck, ND 58505-0320701-328-2440888-575-6611Fax: 701-328-4880http://www.nd.gov/ndins/
OhioOhio Department of Insurance2100 Stella Ct.Columbus, OH 43215800-686-1578www.ohioinsurance.gov
OklahomaOklahoma Department of Insurance2401 N.W. 23rdSuite 28Shepherd MallP.O. Box 53408Oklahoma City, OK 73152-3408800-763-2828405-521-6628http://www.ok.gov/oid/Consumers/Senior_Issues/Senior_Health_Insurance_Counseling_Program_(SHIP)/index.html
OregonOregon Insurance Division250 Church St., SESalem, OR 97301503-947-7980800-722-4134Fax: 503-378-8365http://www.cbs.state.or.us/ins/consumer/consumer.html
PennsylvaniaDepartment of Aging555 Walnut Street, 5th FloorHarrisburg, PA 17101-1919717-783-1550800-783-7067Fax: 717-783-6842http://www.aging.state.pa.us/
Rhode IslandDepartment of Elderly Affairs35 Howard Ave.Cranston, RI 02920401-462-4000www.dea.ri.gov
South CarolinaOffice on Aging1301 Gervais St., Suite 200Columbia, SC 29201803-734-9900www.aging.sc.gov
South DakotaDepartment of Social Services Adult Services & Aging700 Governors DrivePierre, SD 57501605-773-3656866-854-5465800-536-8197www.shiine.net
TennesseeCommission on Aging and Disability500 Deadrick Street, 8th FloorNashville, TN 37243-0860615-741-2056877-801-0044http://www.state.tn.us/comaging/
TexasTexas Department of Aging and Disability Services (DADS)P.O. Box 149030Austin, TX 78714-9030512-438-3011800-252-9240http://www.dads.state.tx.us/services/dads_help/aaa/hicap.html
UtahUtah Department of Human ServicesAging Services120 North 200 West Room 325Salt Lake City, UT 84103800-541-7735www.daas.utah.gov/hiip_contact_list.htm
VermontArea Agency on Aging1161 Portland St.St. Johnsbury, VT 05819802-748-5182800-642-5119www.medicarehelpvt.net
VirginiaDepartment for the Aging1610 Forest Ave., Suite 100Richmond, VA 23229804-662-9333800-552-3402www.vda.virginia.gov
WashingtonOffice of InsuranceP.O. Box 40255Olympia, WA 98504-0255360-725-7000800-562-6900http://www.insurance.wa.gov/shiba/index.shtml
West VirginiaWV Bureau of Senior Services1900 Kanawha Boulevard, EastHolly Grove, Building #10Charleston, WV 25305-0160304-558-3317877-987-4463Fax: 304-558-0004www.state.wv.us/seniorservices WisconsinElderly Benefits SpecialistsBureau of Aging & Long Term Care Resources1 W. Wilson StreetMadison, WI 53702800-242-1060http://dhfs.wisconsin.gov/aging/SHIP.htm
WyomingWyoming State Health Insurance Assistance Program (WYSHIIP)P.O. Box BDRiverton, WY 82501800-856-4398Fax: 307-856-4466http://www.wyomingseniors.com/WSHIIP.htm
Disputes occur over payments rendered for services or services are denied. You don't have to take this sitting down and you are not alone in your fight. Issues occur with Medicaid, other insurance companies, hospitals, doctors, and more. But don't waste a penny of your money on attorneys when you can get more (and better) help from the government. To get you started we have included some helpful places to begin your battles:
1) Eldercare LocatorThe U.S. Administration on Aging offers this free service to older adult Americans and their caregivers to help them connect with available services. Eldercare Locator links older adults who need assistance with state and local area agencies on aging and community-based organizations. If you need help with any health related problem go to the web site and follow the directions or call a specialist. The web site is available in many different languages. Contact: 800-677-1116, www.eldercare.gov.
2) Free Help To Fight The Health Care SystemYou can call government offices and advocacy groups that will do your fighting for you or give you the needed weapons to do your own fighting. Before you call a lawyer, call these free offices first: Your state Insurance Commissioner will help you learn your legal rights regarding insurance. Your state Medical Board will review your complaint and help resolve disputes. Your state HMO Board will also resolve disputes.
3) How To Fight Your Doctor, Hospital, Or Insurance Company - Call The MarinesWell, not the actual Marines from the Department of Defense dressed in fatigues and armed with high tech weapons. But you can call other government offices and advocacy groups that will do your fighting for you or give you the needed weapons to do your own fighting. Before you call a lawyer, call these free offices first:
There are several places you can go for more information on the Medicare discount drug programs.
We usually don't think about insurance until we need it. But when we need it we really need to be able to count on it. Insurance can be confusing and is constantly changing. Luckily, there are many organizations that can help! Each state government runs an insurance department and there is even a National Association of Insurance Commissioners (NAIC). Each state offers a variety of assistance including: educational information for consumers, fraud information, complaints, insurance glossary, agent/agency searches, price comparison, consumer alerts and more. Georgia even has an online quiz "Get Smart About Insurance" to help you determine your insurance intellect. Contact the NAIC or your state commissioner.
NationalNAIC Executive Headquarters2301 McGee Street, Suite 800Kansas City, MO 64108-2662816-842-3600Fax: 816-783-8175www.naic.org/
AlabamaAlabama Department of Insurance201 Monroe Street, Suite 1700Montgomery, AL 36104Mailing Address:P.O. Box 303351Montgomery, AL 36130-3351334-269-3550800-433-3966Fax: 334-241-4192www.aldoi.gov
AlaskaAlaska Division of Insurance9th Floor State Office Building333 Willoughby AvenueJuneau, AK 99801Mailing address:P.O. Box 110805Juneau, AK 99811-0805907-465-2515Fax: 907-465-3422TDD: 907-465-5437www.dced.state.ak.us/insurance/
ArizonaArizona Department of Insurance2910 N. 44th Street, Suite 210Phoenix, AZ 85018-7269800-325-2548602-364-3100www.id.state.az.us/
ArkansasArkansas Insurance Department1200 West Third StreetLittle Rock, AR 72201501-371-2600800-282-9134Fax: 501-371-2618http://insurance.arkansas.gov/
CaliforniaCalifornia Department of InsuranceConsumer Communications Bureau300 South Spring Street, South TowerLos Angeles, CA 90013800-927-HELP213-897-8921TDD: 800-482-4833www.insurance.ca.gov/
ColoradoColorado Division of Insurance1560 Broadway, Suite 850Denver, CO 802023303-894-7499303-894-7490 Consumer Information800-930-3745www.dora.state.co.us/insurance/
ConnecticutConnecticut Insurance Department153 Market Street, 7th FloorHartford, CT 06103860-297-3800Fax: 860-566-7410www.ct.gov/cid/site/default.asp
DelawareDelaware Insurance Department841 Silver Lake BoulevardDover, DE 19904302-674-7300302-739-6775 Consumer Hotline800-282-8611http://www.delawareinsurance.gov/
District of ColumbiaDistrict of Columbia Department of Insurance, Securities and Banking810 1st Street NE, Suite 701Washington, DC 20002202-727-8000Fax: 202-535-1196http://disr.dc.gov/disr/site/default.asp
FloridaFlorida Office of Insurance Regulation200 East Gaines StreetTallahassee, FL 32399-0300800-342-2762850-413-3100www.floir.com/
GeorgiaGeorgia Insurance and Safety Fire CommissionerConsumer Services Division2 Martin Luther King Drive, Suite 716Atlanta, GA 30334800-656-2298404-656-2056www.gainsurance.org/
HawaiiHawaii Department of Commerce & Consumer AffairsInsurance DivisionKing Kalakaua Building335 Merchant Street, Room 213Honolulu, HI 96813Mailing address:P.O. Box 3614Honolulu, HI 96811808-586-2790808-586-2799Fax: 808-586-2806www.hawaii.gov/dcca/areas/ins/
IdahoIdaho Department of Insurance700 West State StreetP.O, Box 83720Boise, ID 83720-0043208-334-4250800-721-3272www.doi.idaho.gov
IllinoisIllinois Division of InsuranceSpringfield Office320 W Washington StreetSpringfield, IL 62767-0001217-782-4515877-527-9431Fax: 217-782-5020http://www.idfpr.com/DOI/Default2.asp
Chicago OfficeJames R Thompson Center100 W Randolph StreetSuite 9-301Chicago, IL 30301-3395312-814-2420Fax: 312-814-5416www.idfpr.com/DOI/Default2.asp
IndianaIndiana Department of Insurance311 W Washington St, Suite 300Indianapolis, IN 46204-2787317-232-2385Fax: 317-232-5251http://www.in.gov/idoi/index.htm
IowaIowa Insurance Division330 Maple StreetDes Moines, IA 50319-0065515-281-5705877-955-1212Fax: 515-281-3059www.iid.state.ia.us/
KansasKansas Insurance Department420 SW 9th StreetTopeka, KS 66612-1678785-296-3071800-432-2484Fax: 785-296-2283www.ksinsurance.org/
KentuckyKentucky Office of Insurance215 W Main StreetFrankfort, KY 40601800-595-6053TTY: 800-462-2081http://doi.ppr.ky.gov/kentucky/
LouisianaLouisiana Department of Insurance1702 N. 3rd StreetBaton Rouge, LA 70802Mailing address:P.O. Box 94214Baton Rouge, LA 70802800-259-5300225-342-5900www.ldi.la.gov/
MaineMaine Department of Financial RegulationBureau of Insurance#34 State House StationAugusta, ME 04333-0034Mailing address:124 Northern AvenueGardiner, ME 04345207-624-8475800-300-5000TTY: 888-577-6690Fax: 207-624-8599http://maine.gov/pfr/insurance/
MarylandMaryland Insurance Administration525 St. Paul PlaceBaltimore, MD 21202-2272410-468-2000800-492-6116TTY: 800-735-2258www.mdinsurance.state.md.us/
MassachusettsMassachusetts Division of InsuranceOne South Station, 5th FloorBoston, MA 02110-2208617-521-7794Fax: 617-521-7575www.mass.gov/doi/
MichiganMichigan Office of Financial and Insurance ServicesP.O. Box 30220Lansing, MI 48909517-373-0220877-999-6442Fax: 517-335-4978www.michigan.gov/cis/0,1607,7-154-10555---,00.html
MinnesotaMinnesota Department of Commerce85 7th Plaza East, Suite 500St. Paul, MN 55101651-296-4026TTY: 651-296-2860Fax: 651-297-1959http://www.state.mn.us/portal/mn/jsp/content.do?subchannel=-536881551&id=-536881351&agency=Commerce
MississippiMississippi Insurance DepartmentP.O. Box 79Jackson, MS 39205601-359-3569800-562-2957http://www.mid.state.ms.us/
MissouriMissouri Department of Insurance301 West High StreetRoom 530Jefferson City, MO 65101Mailing address: P.O. Box 690Jefferson City, MO 65102-0690800-726-7390573-751-4126Fax: 573-751-1165http://insurance.mo.gov/
MontanaMontana Insurance Division840 Helena AvenueHelena, MT 59601800-332-6148406-444-2040TDD: 406-444-3246www.sao.state.mt.us
NebraskaNebraska Department of InsuranceTerminal Building941 "O" Street, Suite 400Lincoln, NE 68508-3639402-471-2201877-564-7323TD: 800-833-7351www.doi.ne.gov/
NevadaNevada Division of InsuranceCarson City Office:788 Fairview Drive, Suite 300Carson City, NV 89701775-687-4270Fax: 775-687-3937
Las Vegas Office:2501 East Sahara AvenueSuite 302Las Vegas, NV 89104702-486-4009Fax: 702-486-4007http://doi.state.nv.us/
New HampshireNew Hampshire Insurance Department31 South Fruit Street, Suite 14Concord, NH 03301800-852-3416603-271-2261Fax: 603-271-1406http://www.nh.gov/insurance/
New JerseyNew Jersey Department of Banking and InsuranceP.O. Box 325Trenton, NJ 08625800-446-SHOP609-292-5360Fax: 609-292-3144www.state.nj.us/dobi/index.shtml
New MexicoNew Mexico Public Regulatory CommissionInsurance DivisionP.E.R.A. Building, 4th Floor1120 Paseo de PeraltaSanta Fe, NM 87501Mailing address:P.O. Box 1269Santa Fe, NM 87504-1269800-947-4722505-827-4601Fax: 505-827-4734www.nmprc.state.nm.us/id.htm
New YorkNew York Insurance DepartmentState Consumer Services Hotline 800-342-3736www.ins.state.ny.us/
New York City Office25 Beaver StreetNew York, NY 10004212-480-6400
Albany OfficeOne Commerce PlazaAlbany, NY 12257518-474-6600
Buffalo OfficeWalter Mahoney Office Building65 Court StreetBuffalo, NY 14202716-847-7618
Long Island Office163 Mineola BoulevardMineola, NY 11501516-248-5886
Rochester Office189 N. Water StreetRochester, NY 14604585-325-3274- Insurance Fraud
Syracuse Office620 Erie Boulevard West, Suite 105Syracuse, NY 13204315-423-1102- Insurance Fraud
Oneonta OfficeRoad 4, Box 51EOneonta, NY 13820607-433-3628- Insurance Fraud
North CarolinaDepartment of Insurance430 N. Salisbury St.Raleigh, NC 27603800-546-5664919-733-2032www.ncdoi.com
North DakotaNorth Dakota Insurance DepartmentState Capitol, Fifth Floor600 East Boulevard AvenueBismarck, ND 58505-0320701-328-2440800-247-0560Fax: 701-328-4880www.nd.gov/ndins/
OhioOhio Department of Insurance2100 Stella CourtColumbus, OH 43215-1067800-686-1526 Consumer Hotline614-644-2658Fax: 614-644-3743www.ohioinsurance.gov/
OklahomaOklahoma Insurance DepartmentOklahoma City Office2401 N.W. 23rd Street, Suite 28Oklahoma City, OK 73107800-522-0071405-521-2828Fax: 405-521-6635www.oid.state.ok.us/
Tulsa Office3105 E. Skellt Drive, Suite 305Tulsa, OK 74105-6371800-728-2906918-747-7700Fax: 918-747-7720Mailing address:P.O. Box 53408Oklahoma City, OK 73152-3408http://www.ok.gov/oid/
OregonOregon Department of Consumer & Business ServicesInsurance Division350 Winter Street NERoom 440Salem, OR 97309Mailing address:P.O. Box 14480Salem, OR 97309-0405503-947-7980Fax: 503-378-4351www.cbs.state.or.us/external/ins/index.html
PennsylvaniaPennsylvania Insurance DepartmentState Consumer Services Hotline 877-881-6388www.ins.state.pa.us/ins/site/default.asp
Harrisburg Regional Office1209 Strawberry SquareHarrisburg, PA 17102717-787-2317TTY: 717-783-3898Fax: 717-787-8585
Philadelphia Regional OfficeRoom 1701, State Office Building1400 Spring Garden StreetPhiladelphia, PA 19130215-560-2630TTY: 215-560-2471Fax: 210-560-2648Pittsburgh Regional OfficeRoom 34, State Office Building300 Liberty AvenuePittsburgh, PA 15222412-565-5020TTY: 412-564-2376Fax; 412-565-7648
Rhode IslandRhode Island Department of Business RegulationDivision of Insurance233 Richmond StreetProvidence, RI 02903401-222-2246Fax: 401-222-6098http://www.dbr.state.ri.us/divisions/insurance/
South CarolinaSouth Carolina Department of Insurance300 Arbor Lake Drive, Suite 1200Columbia, SC 29223Mailing address:P.O. Box 100105Columbia, SC 29202-3105803-737-6229Fax: 803-737-6229http://www.doi.sc.gov/
South DakotaSouth Dakota Division of Insurance445 East Capitol AvenuePierre, SD 57501605-773-3563Fax: 605-773-5369www.state.sd.us/drr2/reg/insurance/
TennesseeTennessee Department of Commerce & Insurance500 James Robertson ParkwayDavy Crockett TowerNashville, TN 37243-0565615-741-2241www.state.tn.us/commerce/insurance/index.html
TexasTexas Department of Insurance333 GuadalupeAustin, TX 78701Mailing address:P.O. Box 149104Austin, TX 78714-9104800-252-3439 Consumer Helpline800-578-4677512-463-6169www.tdi.state.tx.us/
UtahUtah Insurance Department3110 State Office BuildingSalt Lake City, UT 84114-6901801-538-3800801-538-3800 Consumer Service800-439-3805Fax: 801-538-3829TDD: 801-538-3826www.insurance.utah.gov/
VermontVermont Department of Banking, Insurance, Securities & Health Care AdministrationInsurance Division89 Main Street, Drawer 20Montpelier, VT 05620-3101802-828-3301Fax: 802-828-3306www.bishca.state.vt.us/InsurDiv/insur_index.htm
VirginiaVirginia State Corporation CommissionBureau of Insurance1300 East Main StreetRichmond, VA 23219Mailing address:P.O. Box 1157Richmond, VA 23218804-371-9741877-310-6560 Consumer Hotlinewww.scc.virginia.gov/division/boi/index.htm
WashingtonWashington Office of the Insurance Commissioner5000 Capitol BoulevardTumwater, WA 98501Mailing address:P.O. Box 40255Olympia, WA 98504-0255360-725-7000800-562-6900TDD: 360-664-3154Fax: 360-586-3535www.insurance.wa.gov/
West VirginiaWest Virginia Insurance CommissionConsumer Service Division1124 Smith Street, Room 309Charleston, WV 25301Mailing address:P.O. Box 50540Charleston, WV 25305-0540888-TRY-WVIC (888-879-9842)TTY: 800-435-7381Fax: 304-558-4965www.wvinsurance.gov/
WisconsinWisconsin Office of the Commissioner of Insurance125 South Webster StreetMadison, WI 53702608-266-3585800-236-8517Fax: 608-266-9935http://oci.wi.gov/
WyomingWyoming Insurance DepartmentHerschler Building, 3rd Floor East122 West 25th StreetCheyenne, WY 82002307-777-7401800-438-5768Fax: 307-777-5895http://insurance.state.wy.us/
Hill-Burton facilities are hospitals and nursing homes that have received money from the federal government and now must provide a certain amount of free or reduced-cost health services every year to those who cannot pay. You may apply for Hill-Burton assistance at any time before or after you receive care and even after a bill has been sent to a collection agency by simply asking for Hill-Burton assistance. To obtain a list of Hill-Burton facilities in your area or for more information on the Hill-Burton program and how to get free or reduced-cost health care, call their toll-free hot line: 1-800-638-0742 or go to http://www.hrsa.gov/hillburton/default.htm
Under the Hill-Burton Program, you are eligible for care if your income falls below national poverty lines. The national poverty line for 2007 was $20,650 per year for a family of four in all states except Alaska and Hawaii, where it is higher. For more information on the poverty guidelines, please visit the U.S. Department of Health and Human Services (HHS) HRSA's poverty guidelines page at: http://aspe.hhs.gov/poverty/08poverty.shtml
The U.S. Department of Labor's Health Benefits Education Campaign focuses on life and work events and how they affect employees' benefit choices as well as assisting employers in complying with federal health benefits laws. They offer seminars and many publications including:
*Top 10 Ways to Make Your Health Benefits Work for You (EspaÃ±ol): Provides 10 tips to help make your health benefits work better for you.
*Work Changes Require Health Choices (EspaÃ±ol): Provides information on making health care decisions when your work life changes.
*Life Changes Require Health Choices (EspaÃ±ol): Provides guidance on making health benefit decisions following key life events such as marriage or the birth or adoption of a child.
*Protecting Pension and Health Care Benefits After Job Loss: Provides a brief description of your rights under the Employment Retirement Income Security Act (ERISA) if you experience job termination or reduction in hours.
*General Facts on Women & Job Based Health Benefits: Provides data on women and job-based health benefits.
*Newborns' and Mothers' Health Protection Act: The Newborns' and Mothers' Health Protection Act generally requires plans that offer maternity coverage to pay for at least a 48-hour hospital stay following childbirth (96-hour stay in the case of a cesarean section). This fact sheet provides a brief overview of the law.
*Mental Health Parity Act (MHPA): The MHPA generally requires that annual or lifetime dollar limits on mental health benefits be no lower than any such dollar limits for medical and surgical benefits offered by a group health plan or health insurance issuer offering coverage in connection with a group health plan. This fact sheet provides a brief overview of the law.
*Workers' Right to Health Plan Information: Provides a brief overview of your right to health plan information under the Employee Retirement Income Security Act (ERISA).
*Your Employer's Bankruptcy: How Will it Affect Your Employee Benefits?: Provides information about bankruptcy's effect on pension plans and group health plans.
*Pension and Welfare Brief: Can the Retiree Health Benefits Provided by Your Employer Be Cut?: Provides retirees and current employees with tips for checking the documents that govern health care coverage during retirement.
*Health Coverage Portability: Provides information about major provisions of the Health Insurance Portability and Accountability Act, the Newborns' and Mothers' Health Protection Act, the Mental Health Parity Act, and the Women's Health and Cancer Rights Act.
*Life Events Impact Health Benefit Needs: Provides a brief description of federal laws that may protect your health care rights following key life events such as marriage or retirement.
*Questions & Answers for Dislocated Workers: Provides answers to commonly asked questions by dislocated workers about their pension and health benefits.
*How to Obtain Employee Benefit Plan Documents from the Department of Labor: Describes the documents and materials available through the EBSA public disclosure room and how you can obtain the documents from them.
*Frequently Asked Questions for Participants & Beneficiaries Related to the Events of September 11th: Provides answers to the most frequently asked questions by workers and their families whose pension and/or health plan benefits have been impacted by the events of September 11, 2001.
*Frequently Asked Questions for Reservists Being Called to Active Duty Related to their Pension and Health Benefits: Provides answers to the most frequently asked questions about pension and health benefits by National Guard and reserve members being called to active duty as a result of the events of September 11, 2001.
For more information contact Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Ave., NW, Washington, DC 20210; 866-444-EBSA; http://www.dol.gov/ebsa/consumer_info_health.html
The Commonwealth Fund conducts research on current health care issues and practices. They offer articles researched and written by experts in fields such as managed care quality, employer value-based purchasing, insurance and coverage, and women, children, and minority health. To see their current offerings and to see what is happening in your state contact The Commonwealth Fund, 1 East 75th St., New York, NY 10021; 212-606-3800; http://www.commonwealthfund.org/index.htm
Healthfinder.gov has been recognized as a key resource for finding the best government and nonprofit health and human services information on the Internet. Healthfinder.gov links to carefully selected websites from over 1,500 health-related organizations. They have information on diseases, conditions, and injuries, organizations, drug databases, online check ups, consumer guides and more. To check them out go to National Health Information Center, P.O. Box 1133, Washington, DC 20013; www.healthfinder.gov
You work hard to provide for your children and want to make sure they grow up strong, smart and healthy. But like many parents whose children don't have health insurance, you worry about taking care of them.
Now, you may have one less thing to worry about. Your state, and every state in the nation, has a health insurance program for infants, children and teens. The insurance is available to children in working families, including families that include individuals with a variety of immigration status.
Children who have health insurance generally have better health throughout their childhood and into their teens. They are more likely to:
* Receive needed shots that prevent disease;* Get treatment for recurring illnesses such as ear infections and asthma;* Get preventative care to keep them well;* Get sick less often; and* Get the treatment they need when they are sick.
For little or no cost, this insurance pays for:
* doctor visits,* prescription medicines,* hospitalizations, and* much more.
Kids that do not currently have health insurance are likely to be eligible, even if you are working. The states have different eligibility rules, but in most states, uninsured children 18 years old and younger, whose families earn up to $34,100 a year (for a family of four), are eligible, although income requirements do vary. Your income and family size will determine whether or not your children qualify. The best way to find out is to call the toll-free confidential hotline at 1-877-KIDS-NOW and get additional information.
Your child can stay on the program as long as he or she qualifies. Although there is no limit on the amount of time your child can remain on the program, you will need to renew their coverage periodically, generally every 6 to 12 months. As long as your children continue to meet the eligibility criteria established by your state, they can remain on the program.
Contact: NationalContact: For more information on a national level, call 1-877-KIDS-NOW; 877-543-7669 or go to www.insurekidsnow.gov Income Eligibility: requirements for most states: up to $34,100 for a family of 4.
AlabamaContact: Children's Health Insurance Program, ALL Kids, 201 Monroe Street, Ste. 250, Montgomery, AL 36104 or PO Box 303017, Montgomery, AL 36130-3017; 1-888-373-KIDS (5437) or 1-334-206-5568; http://www.adph.org/allkids/Alabama Application: https://www.insurealabama.org/Program Details: Offers services for children and teens 19 year and younger. There is a cost of $50 to $100 per child, per year, based on family size and income. There may be small co-pays for some services, but there are no-copays for preventative services like regular check-ups, immunizations, dental cleanings and vision exams. You cannot have any other health insurance coverage to be eligible for ALL Kids.Other Children's Health Care Programs: The State of Alabama also offers these three health care programs for families with children 19 year and younger or for pregnant women who are not eligible for ALL Kids: 1) SOBRA Medicaid - 1-800-362-1504; 2) Medicaid For Low Income Families (MLIF) - 1-800-362-1504; 3) Alabama Child Caring Foundation - 1-800-726-2289Income Eligibility: requirements for Alabama: up to $48,500 for a family of 4
AlaskaContact: Denali KidCare, P.O. Box 240047, Anchorage, AK 99524-0047; 1-888-318-8890; http://hss.state.ak.us/dhcs/DenaliKidCare/default.htm; Email: Denali_Kid_Care@health.state.ak.usAlaska Application: http://hss.state.ak.us/dhcs/DenaliKidCare/application_dkc.htm Program Details: Offers services for pregnant women and children 18 years and younger.There is no cost for eligible children, teens, and pregnant women. Individuals with or without current health insurance will be considered.Income Eligibility: requirements for Alaska: up to $40,260 for a family of 4
ArizonaContact: KidsCare, 920 E. Madison, MD 500, Phoenix, AZ 85034; 1-877-764-5437 (area codes 520 and 928 only) or 1-602-417-5437; http://www.kidscare.state.az.us/Email: ApplicationHelp@AHCCCS.State.AZ.USArizona Application: http://www.kidscare.state.az.us/application.aspxProgram Details: Offers medical, dental and vision services for children 19 and younger. KidsCare will cost no more than $25 a month for one child or no more than $35 a month no matter how many children are in the household. Native Americans receive KidsCare at no cost.Income Eligibility: requirements for Arizona: up to $40,008 for a family of 4
ArkansasContact: ARKids First Program at 1-888-474-8275 or http://www.arkidsfirst.com/home.htmArkansas Application: http://www.arkidsfirst.com/apply.htm http://www.arkidsfirst.com/ARKidsApplic_english.pdfYou can also contact you local Department of Human Services to fill out an application: go to http://www.arkidsfirst.com/CO.htmto find your local office.Program Details: Offers two coverage options (ARKids A and B) for children 19 and younger. There is no cost for the program, but ARKids B does require a $10 co-pay for doctor visits.Income Eligibility: requirements for Arkansas: up to $40,000 for a family of 4
CaliforniaContact: Healthy Families Program at 1-800-880-5305 or http://www.healthyfamilies.ca.gov/hf/hfhome.jspEmail: HealthyFamilies@MAXIMUS.comCalifornia Application: http://www.healthyfamilies.ca.gov/English/appldownload.htmlYou can also apply in person with a Certified Application Assistance; go to http://www.healthyfamilies.ca.gov/English/joining.htmlto find one in your area or call 1-888-747-1222Program Details: Offers health, dental and vision health coverage for children 19 and younger. There is a monthly premium (bill) that families must pay to receive coverage. The monthly cost is between $4 and $15 for each child, up to a maximum amount of $45 a month for all children in the family. Plus, there is a co-pay fee of $5 for visits to the doctor, prescription drugs, and emergency room visits. Other Children's Health Care Programs: Medi-Cal; http://www.medi-cal.ca.gov/Income Eligibility: requirements for California: up to $50,004 for a family of 4
ColoradoContact: Child Health Plan Plus (CHP+), P.O. Box 929, Denver, Colorado 80201-0929; 1-800-359-1991; Fax: 1-303-893-1780; http://www.cchp.org/Colorado Application: http://www.cchp.org/index.cfm?action=apply&language=engProgram Details: Offers insurance coverage for children 18 and younger and pregnant women. There is an annual enrollment fee up to $35 for two or more children for one year. Co-pays range from $5 up to $15 for services that include basic medical services, urgent care and emergency services and dental services.Income Eligibility: requirements for Colorado: up to $38,700 for a family of 4
ConnecticutContact: HUSKY (Healthcare for Uninsured Kids and Youth) Plan, PO Box 280747, East Hartford, CT 06108; 1-877-284-8759; http://www.huskyhealth.com/Connecticut Application: Applications can be made by phone or mail only.Program Details: Offers two coverage plans (HUSKY Part A and Part B) for children 19 and younger. This program is free or low-cost, depending on the family's income. There may be small co-pays, which is also based on income. This is a health insurance program for children from families of ALL income levels.Income Eligibility: requirements for Connecticut: up to $60,000 for a family of 4
DelawareContact: Delaware Healthy Children Program, PO Box 950, New Castle, DE 19720-9914; 1-800-996-9969; http://www.dhss.delaware.gov/dhss/dss/dhcp.htmlDelaware Application: http://www.dhss.delaware.gov/dhss/dss/files/chip_appl_engl.pdfProgram Details: Offers low-cost health insurance for children age 19 and younger who do not currently have health insurance. There is a $10, $15, or $25 monthly charge, depending on income. There are no co-payments. DHCP covers everything from routine checkups to eye exams to doctor and hospital services.Income Eligibility: requirements for Delaware: up to $40,000 for a family of 4
District of ColumbiaContact: DC Healthy Families Program, ATTN: DC Healthy Families Unit, 645 H Street, N.E, Washington, DC 20002; 1-888-557-1116; http://doh.dc.gov/doh/cwp/view,a,1371,q,575879,dohNav_GID,1807.aspDistrict of Columbia Application: http://doh.dc.gov/doh/cwp/view,a,1371,q,575816.aspProgram Details: Offers free health insurance coverage for children and teens age 19 and younger and pregnant women. Covers medical, dental, and vision services.Income Eligibility: requirements for the District of Columbia: up to $38,700 for a family of 4
FloridaContact: Florida Healthy Kids Program, P.O. Box 980, Tallahassee, FL 32302; 1-888-540-KIDS (5437); http://www.floridakidcare.org/Florida Application: http://www.healthykids.org/apply/Program Details: Florida KidCare is for children age 19 and younger, who are currently without any health insurance. There is a monthly fee of up to $20, and small co-payments may be required upon receiving medical services.Other Children's Health Care Programs: MediKids, the Children's Medical Services (CMS) Network for children with special health care needs, and Medicaid for childrenIncome Eligibility: requirements for Florida: up to $40,000 for a family of 4
GeorgiaContact: PeachCare for Kids at 1-877-427-3224 or http://www.peachcare.org/Georgia Application: https://www.peachcare.org/DE03.aspx Program Details: Offers health insurance coverage for children 18 and younger who currently are uninsured. There is no cost for children 5 and under. The cost per month for PeachCare for Kids coverage is $10 to $35 for one child and a maximum of $70 for two or more children living in the same household. There are no co-payments or deductibles required for benefits covered by PeachCare for Kids.Income Eligibility: requirements for Georgia: up to $47,000 for a family of 4
HawaiiContact: Hawaii Quest, Department of Human Services, 1390 Miller Street, Room 209, Honolulu, HI 96813; 1-808- 587-3521; http://www.hawaii.gov/dhs/health/medquest/ or http://www.med-quest.us/Hawaii Application: Call to apply at 1-808- 587-3521. You may also contact you local eligibility off at http://www.med-quest.us/contact/index.htmlProgram Details: Hawaii does not yet have an established Children's Health Insurance Program (CHIIP). It does provide health care coverage for adults, children, and pregnant women through its Quest program. Quest offers the same medical services that CHIP would and Quest also requires monthly premiums and small co-pays, depending on your income.Income Eligibility: requirements for Hawaii: up to $42,000 for a family of 4
IdahoContact: Idaho CHIP Program, CHIP Unit, 150 Shoup Avenue, Suite 5, Idaho Falls, ID 83402-3635; 1-800-926-2588; http://www.idahochild.org/Idaho Application: http://www.healthandwelfare.idaho.gov/_Rainbow/Documents/app_benefits.pdf You can also apply in person at your local Health and Welfare office; go to http://www.healthandwelfare.idaho.gov/portal/alias__Rainbow/lang__en-US/tabID__3419/DesktopDefault.aspx to find the office nearest you.Program Details: There are two coverage plans: CHIP-A and CHIP-B. CHIP-A offers completely free health insurance for children 18 and younger, meaning no monthly fee and no co-payments with doctor's visits. CHIP-B has a $15 monthly fee, may require co-payments, and the coverage is not extensive as CHIP-A. CHIP-A pays the same services as Medicaid: medical, dental, vision, hearing, mental health and prescriptions.Income Eligibility: requirements for Idaho: up to $36,996 for a family of 4
IllinoisContact: All Kids at 1-866-255-5437 or http://www.allkidscovered.com/Illinois Application: http://www.allkidscovered.com/application.htmlProgram Details: Offers coverage for children age 18 and younger. All Kids pays for doctor visits, hospital visits, dental care, vision care, prescription drugs, medical equipment, mental health services and more. Families with or without current health insurance may be eligible for All Kids. The monthly premium and co-pay amounts vary according to income and family size.Income Eligibility: requirements for Illinois: there are no income limitations; All Kids serves families of every income level
IndianaContact: Hoosier Healthwise Program, PO Box 7213, Indianapolis, IN 46207-7213; 1-800-889-9949; http://www.healthcareforhoosiers.com/index.html Indiana Application: http://www.healthcareforhoosiers.com/how_to_enroll.htmlProgram Details: Offers insurance options for children age 19 and younger, pregnant women and low-income families. The monthly fee can be up to $50, depending on how many children are applying for insurance coverage. There is a package for pregnant women (Package A) and for children (Package C), and both packages include basic medical services, mental health, and substance abuse treatment.Income Eligibility: requirements for Indiana: up to $40,008 for a family of 4
IowaContact: Healthy and Well Kids in Iowa (hawk-i) Program at 1-800-257-8563 or http://www.hawk-i.org/#Iowa Application: http://www.hawk-i.org/English/Application_Forms/application_forms.htmlProgram Details: Offers free or low-cost health coverage, depending on family income; however, no family pays more than $20 per month. There are generally no co-payments, but there may be a co-pay for emergency room services, usually up to $25. Hawk-i is for children age 19 and under who currently do not have healthcare insurance.Income Eligibility: requirements for Iowa: up to $30,000 for a family of 4
KansasContact: HealthyWave, P.O. Box 3599, Topeka, KS 66601; 1-800-792-4884; Fax: 1-800-498-1255; http://www.kansashealthwave.org/Kansas Application: http://www.kansashealthwave.org/apps/english.pdfProgram Details: Offers physical, dental, and mental health insurance coverage for children 19 and under. Depending on income, some families will pay no monthly premium, but others may pay up to $30 per month, per household. There are no co-pays with HealthWave. One-page application process.Income Eligibility: requirements for Kansas: up to $40,008 for a family of 4
KentuckyContact: Kentucky Children's Health Insurance Program (KCHIP) at 1-877-524-4718 or http://chfs.ky.gov/dms/KCHIP.htmEmail: firstname.lastname@example.orgKentucky Application: You must apply in person with a face-to-face interview at your local Department for Community Based Services; go here to find your local office: https://apps.chfs.ky.gov/Office_Phone/index.aspxProgram Details: KCHIP is for children 18 and younger. There may be a monthly premium of up to $20 for some families and small co-pays of $2 for some visits to the doctor.Income Eligibility: requirements for Kentucky: up to $37,800 for a family of 4
LouisianaContact: LaCHIP Processing Office, P. O. Box 91278, Baton Rouge, LA 70821-9278; 1-877-252-2447; Fax: 1-877-523-2987; http://www.dhh.state.la.us/offices/?ID=119Louisiana Application: http://www.dhh.louisiana.gov/offices/publications.asp?ID=119&Detail=607Program Details: LaCHIP is for uninsured children 19 and younger and covers medical services, emergency visits, immunizations, prescriptions and more. There are no monthly fees, co-pays or deductibles. LaCHIP is 100% free for those who are eligible.Income Eligibility: requirements for Louisiana: up to $40,008 for a family of 4
MaineContact: Maine Care at 1-877-543-7669 or http://www.maine.gov/dhhs/OIAS/services/cubcare/CubCare.htmEmail: email@example.comMaine Application: http://www.maine.gov/dhhs/OIAS/services/cubcare/Getting%20an%20Application.htm Program Details: For children 18 and younger and pregnant women. Cub Care covers doctor's visits, immunizations, surgery, prescriptions and more. There may be a monthly premium ranging from $5 up to $40, depending on the family's income. Some families may also have to make small co-pays at the time they receive services.Income Eligibility: requirements for Maine: up to $40,008 for a family of 4
MarylandContact: Maryland Children's Health Program (MCHP) at 1-800-456-8900 or http://www.dhmh.state.md.us/mma/mchp/Maryland Application: http://www.dhmh.state.md.us/mma/mchp/pdf/MCHPEnglish_application306.pdfProgram Details: Offers coverage for children 19 and under and for pregnant women. There may be a monthly fee of up to $55, depending on income. MCHP covers basic medical services, lab tests, dental, vision, immunizations, prescriptions, transportation to doctor's appointments, and more.Income Eligibility: requirements for Maryland: up to $40,000 for a family of 4
MassachusettsContact: MassHealth Family Assistance, MassHealth Enrollment CenterCentral Processing Unit, P.O. Box 290794, Charlestown, MA 02129-0214; 1-800-841-2900; http://www.mass.gov/?pageID=eohhs2topic&L=3&L0=Home&L1=Consumer&L2=Insurance+(including+MassHealth)&sid=Eeohhs2Massachusetts Application: http://www.mass.gov/?pageID=eohhs2terminal&L=4&L0=Home&L1=Consumer&L2=Insurance+(including+MassHealth)&L3=Apply+for+MassHealth+Coverage&sid=Eeohhs2&b=terminalcontent&f=masshealth_consumer_member_application-member-forms&csid=Eeohhs2Program Details: Offers medical coverage for children 19 and under. The monthly premium to enroll your child in a health plan is $12 per eligible child, but no more than $36 total for a family. Income Eligibility: requirements for Massachusetts: up to $40,008 for a family of 4
MichiganContact: MIChild, PO Box 30412, Lansing, MI 48909; 1-888-988-6300; http://www.michigan.gov/documents/MIChild_english_5_65774_7.03_pms539.pdfor http://www.michigan.gov/mdch/1,1607,7-132-2943_4845_4931---,00.htmlMichigan Application: http://www.michigan.gov/documents/MIChildApplication_11847_7.pdfor apply online at http://www.michigan.gov/mdch/0,1607,7-132-2943_4845_4931-37347--,00.htmlProgram Details: You only pay $5 per month, no matter how many children you have under this program. There are no co-pays and no deductibles. Coverage includes regular medical services, shots, dental, hospital care, vision and hearing and more. For uninsured children 19 and under.Income Eligibility: requirements for Michigan: up to $37,704 for a family of 4
MinnesotaContact: MinnesotaCare, P.O. Box 64838, St. Paul, MN 55164-0838; 1-651-297-3862 or 1-800-657-3672 or http://www.dhs.state.mn.us/main/groups/healthcare/documents/pub/dhs_id_006255.hcspMinnesota Application: http://www.dhs.state.mn.us/main/groups/healthcare/documents/pub/dhs_id_006923.hcspProgram Details: Benefits cover children and teens age 21 and younger. There are monthly premiums that are paid based on family income, and size. Examples of covered health care services include doctor visits, hospitalization, prescriptions, eye exams, eye glasses, and dental care.Income Eligibility: requirements for Minnesota: up to $50,000 for a family of 4
MississippiContact: Mississippi CHIP at 1-877-543-7669 or http://www.msdh.state.ms.us/msdhsite/_static/41,0,96.htmlMississippi Application: http://www.msdh.state.ms.us/msdhsite/_static/resources/93.pdfYou can also apply in person at your local office; go to http://www.msdh.state.ms.us/msdhsite/_static/4,0,204.htmlto find the office nearest you.Program Details: Offered to children 19 and under who are currently uninsured. A face-to-face interview is required.Income Eligibility: requirements for Mississippi: up to $40,008 for a family of 4
MissouriContact: MC+ for Kids at 1-888-275-5908 or http://www.dss.mo.gov/mhk/index.htm Missouri Application: http://www.dss.mo.gov/mhk/appl.htmProgram Details: Offers medical insurance to children 19 and younger who have been uninsured for 6 months or more. Eligible families will pay no more than 5% of their total yearly income on premiums per year. All medically necessary services are covered with this plan.Income Eligibility: requirements for Missouri: up to $70,200 for a family of 4
MontanaContact: Montana CHIP, PO Box 202951, Helena MT 59620-2951; 1-877-543-7669; Fax: 1-877-418-4533; http://chip.mt.gov/index.shtmlEmail: firstname.lastname@example.orgMontana Application: http://chip.mt.gov/howtoapply.shtmlor http://chip.mt.gov/pdf/chipinternetapplication.pdfProgram Details: Montana CHIP is for uninsured children 19 and younger. Families may have to pay small co-pays for each medical service, not to exceed $215 per family, per year. Standard medical services, dental, vision, emergency and hospital services, and more are all covered.Income Eligibility: requirements for Montana: up to $30,000 for a family of 4
NebraskaContact: Nebraska Children's Health Insurance Program, P.O. Box 94926, Lincoln, NE 68509-4926; 1-877-632-5437; http://www.hhs.state.ne.us/med/kidsconx.htmEmail: email@example.comNebraska Application: http://www.hhs.state.ne.us/med/kidsconx.pdfProgram Details: Kids Connect is for children 19 and younger who currently have no health insurance. It covers regular check-ups as well as services for injuries and illnesses.Income Eligibility: requirements for Nebraska: up to $37,008 for a family of 4
NevadaContact: Division of Health Care Financing and Policy (Nevada Check Up), 1000 East Williams Street, Suite 200, Carson City, Nevada 89701; 1-877-543-7669 or 1-775-684-3777; Fax: 1-775-684-8792; http://www.nevadacheckup.state.nv.us/ Nevada Application: https://nevadacheckup.nv.gov/SecureOnlineAppEnglish.htmProgram Details: For children 18 and under. Premiums are paid quarterly, depending on your income level, up to $280 per year. There are no co-pays or deductibles with Nevada Check Up. Most medical, dental and vision services are covered.Income Eligibility: requirements for Nevada: up to $40,199 for a family of 4
New HampshireContact: Healthy Kids at 1-877-464-2447 or http://www.nhhealthykids.com/New Hampshire Application: http://www.nhhealthykids.com/fmi1.htmProgram Details: Offers coverage for children 19 and under. There are three different benefits programs, all offering different monthly premiums and co-pay requirements, up to $130 per child, per month: Healthy Kids Gold, Healthy Kids Silver, and Healthy Kids Buy-In. There are options for both insured and uninsured children.Income Eligibility: requirements for New Hampshire: up to $80,004 for a family of 4
New JerseyContact: NJ FamilyCare, P.O. Box 8367, Trenton, N.J. 08650-8367; 1-800-701-0710; http://www.njfamilycare.org/index.htmlNew Jersey Application: http://www.njfamilycare.org/pages/apply_njfc.htmland http://www.njfamilycare.org/pages/FC_APP-en.pdfProgram Details: Offered to children 19 and younger who have been uninsured for a period of three months or more. Premiums and co-pays are based on income; some families will pay nothing, while other may pay up to $117 per family, per month in premiums and up to $35 for some services. Medical, dental, vision, emergency room, and other services are covered.Income Eligibility: requirements for New Jersey: up to $70,000 for a family of 4
New MexicoContact: New Mexi Kids at 1-888-997-2583 or http://www.hsd.state.nm.us/mad/newmexikids/New Mexico Application: Call 1-888-997-2583 for an application. You can also apply in-person at your local Income Support Division office or at most clinics, hospitals, primary care providers and schools.Program Details: Offers medical, dental, and vision coverage to children 19 and younger. Based on income, some families may have to pay co-payments for each medical visit. Regular check-ups, doctor visits, dental visits, hospital care, prescriptions, glasses and hearing and vision exams are covered.Income Eligibility: requirements for New Mexico: up to $36,828 for a family of 4
New YorkContact: Child Health Plus, NYS Health Department, Box 2000, Albany, NY 12220; 1-800-698-4543; Fax: 1-518-486-2361; http://www.health.state.ny.us/nysdoh/chplus/index.htm New York Application: http://www.health.state.ny.us/nysdoh/chplus/application.htmYou can apply in person at your local office; see http://www.health.state.ny.us/nysdoh/chplus/where_do_i_apply.htm to find an office near you.Program Details: For children 19 and under. There are two programs that you may be eligible for: Child Health A and Child Health B. Depending on your income, there may be a premium of up to $15 per child, per month not to exceed $45 maximum each month. There are no co-payments for services received under this insurance program.Income Eligibility: requirements for New York: up to $50,004 for a family of 4
North CarolinaContact: N.C. Health Choice for Children, PO Box 30111, Durham, NC 27702-3111; 1-800-367-2229 or 1-800- 422- 4658; http://www.dhhs.state.nc.us/dma/cpcont.htmNorth Carolina Application: http://www.dhhs.state.nc.us/dma/cpcont.htm#appProgram Details: Offered to children and teens up to 19 years old. Medical, dental, vision and hearing are covered. Based on income, there may be an enrollment fee of $50 per child, not to exceed $100 per family, and co-payments of up to $20 for medical services received.Income Eligibility: requirements for North Carolina: up to $40,000 for a family of 4
North DakotaContact: Healthy Steps, Department 325, 600 E. Boulevard Avenue, Bismarck, ND 58505-0250; 1-800-755-2604; http://www.nd.gov/dhs/services/medicalserv/chip/Email: firstname.lastname@example.orgNorth Dakota Application: http://www.nd.gov/eforms/Doc/sfn00502.pdfand http://www.nd.gov/dhs/services/medicalserv/chip/apply.htmlProgram Details: Offered to children 18 years and younger who are not currently insured. There are no monthly fees, but families may be responsible for co-payments of up to $20 for some services. Clinic services, inpatient and outpatient hospitalization, prescriptions, mental health services, preventive well-child exams, immunizations, dental, and vision services are covered.Income Eligibility: requirements for North Dakota: up to $25,760 for a family of 4
OhioContact: Healthy Start at 1-800-324-8680 or http://jfs.ohio.gov/ohp/bcps/hshf/index.stmOhio Application: http://jfs.ohio.gov/OHP/consumers/Application.stmYou can also apply at your local Office of Job & Family Services.Program Details: For children up to 19 years old and pregnant women who are currently uninsured. Healthy Start covers doctor's visits, prescriptions, vision, immunizations, dental and more.Income Eligibility: requirements for Ohio: up to $36,800 for a family of 4
OklahomaContact: SoonerCare at 1-800-987-7767 or http://www.ohca.state.ok.us/client/programs/soonercare/soonercare.aspOklahoma Application: http://www.ohca.state.ok.us/client/forms/pdflib/sc1.pdf Apply at your local Department of Human Services; go to http://www.okdhs.org/okdhslocal/ to find your local office.Program Details: This is a comprehensive benefits package for adults and children, which includes special benefits for children.Other Children's Health Care Programs: Child Health Check-Ups - for children 20 and younger to insure they have regular check-ups. Child Health is free and is included in the child's other health care benefits packages. Go to http://www.okhca.org/Income Eligibility: requirements for Oklahoma: up to $37,008 for a family of 4
OregonContact: State Children's Health Insurance Plan via the Oregon Health Plan (OHP) Plus, Office of Medical Assistance Programs, Administrative Office, 500 Summer Street NE, Salem, OR 97301-1079; 1-800-359-9517; http://www.oregon.gov/DHS/healthplan/app_benefits/schip.shtml Email: email@example.comOregon Application: http://www.oregon.gov/DHS/healthplan/app_benefits/ohp4u.shtml#apply and http://dhsforms.hr.state.or.us/Forms/Served/HE7210pkt.pdfProgram Details: For children 19 and younger or for pregnant women. Benefits cover basic medical services, dental, vision, prescriptions, hospital services and more. The level of coverage (benefits package) is determined by your income, and different eligibility rules apply to different income levels, so check with OHP to find out the guidelines for your family.Income Eligibility: requirements for Oregon: up to $40,000 for a family of 4
PennsylvaniaContact: PA CHIP at 1-800-986-5437 or go to http://chipcoverspakids.com/Pennsylvania Application: https://www.humanservices.state.pa.us/compass/PGM/ASP/SC001.asp or http://chipcoverspakids.com/interior.php?subPage=ApplyNow You can apply in person at: Office of Children's Health Insurance Program, 333 Market Street, Lobby Level, Harrisburg, PA 17120Program Details: Offers comprehensive insurance coverage for children up to 19 years old. There may be a small monthly fee, depending on the family's income. There are no co-payments or deductibles, regardless if you make a small monthly payment or not. All basic medical, dental, vision and other services are covered. Income Eligibility: requirements for Pennsylvania - up to $47,000 for a family of 4
Rhode IslandContact: RIte Care at 1-401-462-5300 or http://www.dhs.state.ri.us/dhs/famchild/shcare.htmRhode Island Application: http://www.ridhseligscreening.org/English/Engl_App4-03.pdfYou can also apply at your local Department of Human Services; go to http://www.dhs.state.ri.us/dhs/doffices.htm to find your local office.Program Details: Offered to uninsured children less than 19 years old and pregnant women. Medical, dental, vision, emergency room, and other services are covered. There may be a monthly premium of up to $92 per month, which is determined by the family's income.Income Eligibility: requirements for Rhode Island: up to $41,667 for a family of 4
South CarolinaContact: Partners for Healthy Children (PHC), South Carolina Centralized Eligibility Processing, PO Box 100101, Columbia, SC 29202-3101; 1-888-549-0820; http://www.dhhs.state.sc.us/dhhsnew/InsideDHHS/Bureaus/BureauofEligibilityProcessing/phc.aspSouth Carolina Application: http://www.dhhs.state.sc.us/internet/pdf/FM%20505.pdf and http://www.dhhs.state.sc.us/dhhsnew/QandAResults.asp?formID=FM%20505&incomeID=phcProgram Details: PHC is for children 19 and under who are uninsured. There may be a monthly fee and co-payments, depending on the family's income. Eligible applicants will receive all Medicaid covered services.Income Eligibility: requirements for South Carolina: up to $30,000 for a family of 4
South DakotaContact: South Dakota Medical Assistance CHIP at 1-800-305-3064 or http://dss.sd.gov/medicaleligibility/South Dakota Application: http://dss.sd.gov/formspubs/docs/MEDELGBLTY/chipapp.pdf or apply online at: https://www.state.sd.us/eforms/secure/eforms/E1002V3-ChildrensHealthInsuranceProgramMedicalAssistanceApplication.pdf You can also apply at your local Department of Social Services: http://dss.sd.gov/medicalservices/chip/contacts.aspProgram Details: Children 19 and younger are eligible as long as they are uninsured; however, those with insurance may also receive help through CHIP. There are a variety of services offered, but you should check the website prior to going to the doctor to make sure.Other Children's Health Care Programs: Healthy Kids Klub, which is free and offers regular check-ups for your children, whether they are sick or not. Call 1-605-773-3495.Income Eligibility: requirements for South Dakota: up to $40,008 for a family of 4
TennesseeContact: TENNderCARE at 1-866-311-4287 or http://www.state.tn.us/tenncare/tenndercare/Tennessee Application: http://www.state.tn.us/tenncare/members.html Program Details: TENNderCARE is for children 19 and younger. There are two types of TennCare: TennCare Medicaid and TennCare Standard. Monthly premiums and co-pays are determined by your income level. Medical, dental, vision and other services are covered.Income Eligibility: requirements for Tennessee: up to $59,998 for a family of 4
TexasContact: TexCare CHIP at 1-800-647-6558 or http://www.chipmedicaid.org/Texas Application: http://www.chipmedicaid.org/english/apply.htmProgram Details: There is an enrollment fee of up to $50 per family and co-payment range from $0 up to $100, depending on your income level. You must re-enroll every six months. CHIP covers services such as hospital care, surgery, x-rays, physical/speech/occupational therapies, prescription drugs, emergency services, transplants, and regular health check-ups and immunizations.Income Eligibility: requirements for Texas: up to $40,000 for a family of 4
UtahContact: CHIP, PO Box 144102, Salt Lake City, UT 84114-4102; 1-877-KIDS-NOW; Fax: 1-801-538-6860; http://www.utahchip.org/ Email: firstname.lastname@example.orgUtah Application: http://www.utahchip.org/Adobe%20PDF%20Files/chipapp122904.pdf or apply online: https://chip.exevision.com/chip/Start.jspProgram Details: Offers comprehensive medical coverage for children under 19 years old. Some families will need to pay up to $25 every three months to receive insurance through CHIP, depending on your income. You will also pay small co-pays for services like office visits.Income Eligibility: requirements for Utah: up to $40,000 for a family of 4
VermontContact: Dr. Dynasaur at 1-800-250-8427 or http://ovha.vermont.gov/for-consumers/dr-dynasaurVermont Application: Call 1-800-250-8427 or contact your local PATH office; go to http://www.dcf.vermont.gov/esd/health_insurance to find an office in your area.Program Details: Healthcare insurance for children under age 18 and for pregnant women. Depending on your family income, you may have to pay a program fee every three months. Doctor's visits, dental care, immunizations, prescriptions, vision care, and more are covered by Dr. Dynasaur.Income Eligibility: requirements for Vermont: up to $54,000 for a family of 4 VirginiaContact: FAMIS, P.O. Box 1820, Richmond, VA 23218-1820; 1-866-873-2647; Fax:1-888-221-9402; http://www.famis.org/welcome.cfm?lang=EnglishVirginia Application: http://www.famis.org/apply.cfm?lang=EnglishProgram Details: Offered to children under 19 years old or pregnant women who have no insurance. There are three FAMIS programs: 1) FAMIS - the Children's Health Insurance Program; 2) FAMIS MOMS - for pregnant women; and 3) Smiles For Children - a dental program. There are no enrollment costs or premiums for FAMIS. For some services, the family will have to pay a co-payment. Most co-payments are just $2 or $5.Other Children's Health Care Programs: FAMIS Select, which offers families a greater variety of services, but with a fee of $100 per child, per month. Call: 1-866-873-2647.Income Eligibility: requirements for Virginia: up to $40,000 for a family of 4
WashingtonContact: CHIP, Department of Social and Health Services, P.O. Box 45449, Olympia, WA 98504-5449; 1-877-543-7669; http://fortress.wa.gov/dshs/maa/chip/Washington Application: http://www1.dshs.wa.gov/pdf/ms/forms/14_380.pdf or apply online at https://fortress.wa.gov/dshs/f2ws03esaapps/onlineapp/introduction_1.aspProgram Details: For children 19 years old and younger. Premiums are $15 per child per month, with a $45 family maximum per month. Children are covered for the same services offered by Medicaid to include basic medical, vision and dental coverage.Income Eligibility: requirements for Washington: up to $50,004 for a family of 4
West VirginiaContact: West Virginia Children's Health Insurance Program (WVCHIP) at 1-877-WVA-CHIP or http://www.wvchip.org/index2.shtmlWest Virginia Application: http://www.wvchip.org/apply_help.shtml and http://www.wvchip.org/2007%20documents/2007%20CHIP%20Application.pdf or apply online at https://www.wvinroads.org/inroads/PGM/ASP/SC002.aspProgram Details: For children 18 and younger who have not had insurance for the last six months. There are co-payments that the family may be required to pay, but they won't exceed $750 per year. You do not pay for check-ups, dental care, vision care or generic prescriptions.Income Eligibility: requirements for West Virginia: up to $40,000 for a family of 4
WisconsinContact: Wisconsin BadgerCare at 1-800-362-3002 or http://www.badgercareplus.org/Wisconsin Application: https://access.wisconsin.gov/You can apply in person at your local office; see http://dhfs.wisconsin.gov/em/imagencies/index.htm for your local office.Program Details: Offers medical benefit coverage for uninsured children 19 and younger. Individuals enrolled in BadgerCare receive benefits identical to those available under the Medicaid program. Covered services range from routine health care and prescription drugs to hospital stays. Some families will need to pay a premium, depending on income levels.Income Eligibility: requirements for Wisconsin: up to $49,992 for a family of 4
WyomingContact: Kid Care CHIP, 6101 Yellowstone Rd., Suite 210, Cheyenne, WY 82002; 1-877-543-7669; http://health.wyo.gov/healthcarefin/chip/index.htmlEmail: email@example.comWyoming Application: http://health.wyo.gov/healthcarefin/chip/apply.htmlProgram Details: For children age 18 and younger. Co-payments are capped at $200 per family per benefit year and are based on the family's income. Kid Care offers a complete list of health benefits like medical, dental, vision, mental health and more.Income Eligibility: requirements for Wyoming: up to $39,996 for a family of 4