COVERKIDS
Program Overview

CoverKids provides comprehensive health coverage for children 18 and under and maternity coverage for pregnant women.

Eligibility
CoverKids is comprehensive health insurance available to uninsured children age 18 and under with household income below 250 percent of the federal poverty level. Refer to the table of qualifying incomes based on federal poverty guidelines to see if your child qualifies. Additionally, pregnant women who meet other eligibility criteria can receive maternity coverage through CoverKids.
 
  		• Open to children 18 and under
     
  		• Household income up to 250% of federal poverty level (see income guidelines)
  		•  Buy-in is available for children in households with higher incomes
     
  		• U.S. citizen or qualified legal alien
     
  		• Tennessee resident
     
  		• “Go Bare” (without health coverage): three months
  		•  Waived for newborns up to four months of age
  		• Waived for children moving to CoverKids from TennCare of from another state SCHIP program
     
  		• Maternity coverage available for pregnant women
     
  		• Screened first for TennCare eligibility or access to other state-sponsored insurance

    Benefits
    CoverKids offers comprehensive health insurance coverage, similar to the benefits offered to dependents of state employees. Emphasis will be placed on preventive care and services most needed by children, including vaccinations, well-child visits, healthy babies program, and developmental screenings. Refer to the benefit plan Tennessee has proposed to the federal government for more information on covered services.

    Cost to participate
    No monthly premiums will be charged but each participant will pay reduced co-payments for services. Families above the income limit who wish to purchase coverage for their child can “buy in” to the program by paying monthly premiums. The premiums for children over 250% of the FPL are approximately $227 per month per child for the year 2007.