Re: CHIP, Adult Basic, and OTHER PROGRAMS

[Guest guest]

Steve,

CHIP for Adults is a COBRA type of insurance and for ADULTS it has to be paid.

(High Premium if that category) They will call it Adult CHIP but if you ask are

you a COBRA type insurance,as in relationship to premiums and they say, " Yes " .

I was not talking about the Children's program at all and my experience comes

from trying to finding the Adult Program and we were talking about Adult

Programs.

From the Health.gov website: (These words are the health.gov website's not MINE)

State coverage similar to COBRA coverage

Many states have laws similar to COBRA that apply to insurance bought by

employers with fewer than 20 employees.

A few states also apply these requirements to insurance plans that are also

subject to the Federal COBRA requirements. Contact your State Department of

Insurance to see if state continuation coverage applies to you.

-That is what all I meant, its a COBRA TYPE (EXPENSIVE) and it is still put

under, even ADULT BASIC put under CHIP funding if it can depending on you

situation: As you see, they call it Chip funded Adult coverage. Not Adult Basics

in these categories not available to all.

States Can Continue Their Existing Parent Coverage with Some Important Changes

There are currently seven states that use CHIP funds for parent coverage:

Arizona, Arkansas, Idaho, Nevada, New Jersey, New Mexico, and Wisconsin.

Combined, these states covered nearly 108,000 parents under CHIP waivers in

federal FY 2007 (see Table 1).11 These states can and should choose to

automatically extend their waivers and continue covering parents through the end

of FY 2011. During this period, these states will continue to receive their CHIP

federal matching rates (which are higher than their Medicaid federal matching

rates). It is important to note that states with parent coverage waivers that

terminate before the end of FY 2011 (Idaho and Wisconsin) must apply for an

extension by September 1, 2011, to continue their existing CHIP-funded parent

coverage.

What Next for CHIP-Funded Adult Coverage?

CHIPRA allows states that currently use CHIP funds to cover parents to continue

doing so through FY 2013. However, beginning with FY 2012, the funding mechanism

for covering them will change, the amount of funding that will be available will

be limited, and these states cannot increase their eligibility levels for

parents in CHIP (see Table 3 for details).

Changes in the CHIP Funding Mechanism

For fiscal years 2009-2011, states can continue covering parents according to

the terms of their waivers, under which parent coverage is one component of a

state overall CHIP budget. However, beginning in FY 2012, the Secretary of

Health and Human Services (HHS) will set aside a pool of federal funding to pay

for parent coverage that will be separate from states CHIP allotments, and that

pool will be divided into separate block grants for each state. The amount of

money that will be available in each states block grant will essentially be

enough to cover the number of parents who were enrolled in CHIP-funded coverage

in the state during the previous fiscal year (see Table 3 for more details).

* They are called high allowance pools also

CHIPRA reauthorizes CHIP for only five years. Therefore, the funding mechanism

for covering parents after 2013 is unknown. However, if national health reform

legislation is passed, it will likely provide new coverage options for

low-income adults. To get up-to- date information about how health reform may

affect adult coverage, see our Web site at

www.familiesusa.org/health-reform-2009/.

Table 3

Changes to CHIP-Funded Parent Coverage

The best thing for people seeking insurance since we all live in different

states, is there is a qualified answer checklist on health care.gov and then it

will be right.

I worked with students from age 0-18 and understand CHIP, Steve but I was

speaking of ADULT programs that are offered and not offered dependent on

situations of the state funding, federal funding, and the individual's criteria.

So, saying programs are COBRA type to me, means they are expensive and Adult

Programs are expensive if you are not getting it fully paid for and I believed

that we had to pay 300.00 monthly as Military Families as Obama Care left our

dependents off until 26 although allowing it for civilian employed parents with

their employer.

Although called a Continued Benifit Program through Humana, I asked this is just

a COBRA type insurance and she answered " Yes " , High Premium, continuing coverage

with length limitations.

I was not speaking of the Childrens (CHIP ) program for the young children.

COBRA is explained and discussed at :

http://www.dol.gov/dol/topic/health-plans/cobra.htm and this site is good as it

discusses how " COBRA " term is used with other programs sometimes and coverage

from being designated disabled, not receiving Medicaid, but programs offered to

you that are in pools.

So, sorry for the misunderstanding, CHIP funds are used for Adults beyond what

you are talking about sometimes and can be high premiums depending on you

situations such as COBRA insurance.

I had to keep up for with the CHIP forms every year and make sure every parent

answered yes or no for this program so I know what it is when speaking of this

age group, but there are others.