Louisiana Children's Health Insurance Program (LaCHIP) is a health insurance program designed to bring quality health care to currently uninsured children and youth up to the age of 19 in Louisiana and who cannot afford traditional Medicaid.
Eligibility is based on the size of the family and the household income. LaCHIP is available to Louisiana children under the age of 19 who do not have other health insurance coverage. The health care program is designed to serve families of specific income level that do not exceed 200% of the federal poverty level.
If your child does not qualify for the no-cost LaCHIP program because of your family's income, he/she may qualify for the LaCHIP Affordable Plan, a low cost program. The Affordable Plan is available to uninsured Louisiana children up to the age of 19 whose families have an annual income up to 250 percent of the Federal Poverty Level (FPL).
There is no waiting period. Coverage generally starts about 45 days after your application is approved. In some cases, coverage can become effective 3 months prior to receiving your application. There is a waiting period (12 months) for the LaCHIP Affordable Plan for families whose health insurance was terminated voluntarily.
Covered Services and Benefits
LaCHIP provides medical coverage for:
Health Plan Options
There is one plan choice available through LaCHIP and all enrolled members will be provided the same level of benefits. The LaCHIP Affordable Plan provides different benefits than the LaCHIP. Visit the website www.LaCHIP.org for more information about covered services for the LaCHIP Affordable Plan.
Premium Payments, Co-Payments and Coinsurance
There are no premiums, deductibles or co-payments required for covered medical services provided through LaCHIP. The LaCHIP Affordable Plan has co-payments and a $50 monthly premium to cover all children in a household.
Program Length, Enrollment and Renewal
Once your child's coverage starts they will have 12 months of coverage. Coverage will continue during that 12 month period, even if your income increases to a level that exceeds the maximum for your family's size. At the end of the 12 month, you would need to re-verify your income and other eligibility requirements to see if your children still qualify for coverage.
P.O. Box 91278
Baton Rouge, LA 70821-9278
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