How do I apply for CHIP in Utah?
What steps do I need to follow to apply for CHIP coverage for my child in Utah?
Applying for CHIP (Children’s Health Insurance Program) in Utah is a straightforward process, but it’s important to ensure you have the necessary information and documentation ready before starting your application. CHIP provides low-cost health coverage for children whose families earn too much to qualify for Medicaid but cannot afford private insurance. Follow these steps to apply for CHIP coverage for your child in Utah.
1. Check Eligibility for CHIP in Utah
Before you apply, it’s important to ensure your child meets the basic eligibility criteria for CHIP:
Age: Your child must be under 19 years old.
Income: Your household income must be between 138% and 200% of the Federal Poverty Level (FPL). For example, in 2024, the income limits for a household of four are between $41,400 and $60,000.
Residency: Your child must be a resident of Utah.
Citizenship or Immigration Status: Your child must be a U.S. citizen or a qualified non-citizen (e.g., lawful permanent resident, refugee, or asylee).
Uninsured Status: Your child must be uninsured at the time of applying for CHIP. They cannot have access to affordable employer-sponsored health insurance.
2. Gather Required Documentation
To complete your application, you’ll need to provide several types of documentation to verify your child’s eligibility:
Proof of income: Recent pay stubs, tax returns, or other income documentation showing your household’s earnings.
Proof of Utah residency: A lease agreement, utility bill, or another document that confirms your family lives in Utah.
Proof of citizenship or immigration status: Birth certificate, passport, or immigration documents such as a green card for qualified non-citizens.
Other health insurance information: If your child recently lost health coverage, you may need to provide documentation of the loss of insurance.
3. Choose an Application Method
There are several ways to apply for CHIP in Utah. You can choose the option that is most convenient for you:
A. Apply Online
You can apply for CHIP coverage through the Utah Medicaid website or healthcare.gov. Online applications allow you to submit your information electronically and upload the required documents.
B. Apply by Mail
You can download the CHIP application form from the Utah Medicaid website, fill it out, and mail it, along with your documentation, to your local Department of Workforce Services (DWS) office.
C. Apply in Person
You can also apply in person at a Department of Workforce Services (DWS) office. Staff can help you fill out the application, answer your questions, and ensure all necessary documents are submitted.
D. Apply by Phone
You can call 1-866-435-7414 to apply for CHIP coverage over the phone. Be prepared to provide detailed information about your income, residency, and household size.
4. Submit Your Application
Once you’ve gathered the necessary documents and chosen how you want to apply, you can complete and submit your application for CHIP:
Complete the application form: Whether applying online, by mail, or in person, make sure all sections of the application form are completed accurately.
Submit documentation: Upload or provide the necessary documents to verify your child’s eligibility.
Follow up on your application: After submission, you may be asked for additional documentation, so be sure to check your email, mail, or phone messages regularly.
5. Wait for a Decision
The Utah Department of Health will review your application and notify you of their decision. The processing time for CHIP applications is typically around 30 days, but it can vary based on the completeness of your application and the volume of applications being processed.
Approval: If your child is approved for CHIP, you will receive an approval notice, and your child’s coverage will begin shortly after.
Denial: If your child is not eligible for CHIP, you will receive a denial notice explaining the reason. If your income or circumstances change, you can reapply for CHIP at any time.
6. Start Using CHIP Coverage
Once your child is approved for CHIP, you will receive information about their benefits and how to use them:
Receive your CHIP card: Your child will be issued a CHIP benefits card, which can be used at doctor’s visits, pharmacies, and other healthcare providers.
Find in-network providers: Make sure to use healthcare providers that accept CHIP coverage to avoid additional out-of-pocket costs.
Understand copays and premiums: Depending on your income, you may be required to pay small premiums and copayments for services. These costs are kept affordable and are significantly lower than private insurance.
7. Renew CHIP Coverage Annually
CHIP coverage must be renewed annually. You will need to update your household income, residency, and other information to maintain your child’s eligibility. If your income changes, your child may transition to Medicaid or another health program.
Key Takeaways:
To apply for CHIP in Utah, your child must be under 19 years old, uninsured, and your household income must be between 138% and 200% of the Federal Poverty Level (FPL).
You can apply for CHIP online, by mail, in person, or by phone, and you will need to provide documentation such as proof of income, residency, and citizenship or immigration status.
CHIP applications typically take about 30 days to process, and coverage must be renewed annually.
For help applying for CHIP coverage or determining your child’s eligibility, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.
