What if a family drops non-employer sponsored insurance, such as insurance offered through school districts?
When assessing SCHIP eligibility, we will not ask whether a family has dropped “non” employer sponsored coverage. If a family dropped employer sponsored dependent coverage within four months of applying for SCHIP, they may need to serve a four month waiting period before they are eligible for SCHIP. There are many exceptions to the waiting period. As an outreach worker, I am trying to help a family apply for SCHIP. This family is buying individual health insurance at a cost of $150/month with a $2,500 deductible they never meet. Is this family eligible for SCHIP? No. If this family has “creditable coverage” at the time of application, the child is not eligible for SCHIP. “Creditable coverage” means coverage that “includes physician, hospital, x-ray and laboratory services.” Federal law created this barrier to SCHIP eligibility as a way to prevent a family from dropping private insurance and signing up for public insurance (the term for this process is called “crowd-out”) I am trying to
Related Questions
- The law says that career and professional academies may be offered by public schools, school districts, or the Florida Virtual School. Where can I find more information about secondary and postsecondary career education programs?
- If the familys insurance changes and the physician who signed the school forms is no longer the current provider, are current orders still valid?
- What if a family drops non-employer sponsored insurance, such as insurance offered through school districts?
