Do You Pay for Each Child in Family Health Insurance

What is All Kids?

All Kids is Illinois' plan for children who need comprehensive, affordable, health insurance, regardless of immigration condition or health condition. Every child deserves the chance to abound up healthy. With All Kids, your children will exist able to become the care they demand, when they need information technology. Information technology means you can take your child to the medico for a regular check-up, to the dentist to fill a cavity, or to the center physician to get a prescription for glasses.

To date, there are over ane.6 million Illinois children enrolled in All Kids. If your family, like many hardworking families, cannot afford private health insurance, All Kids may be the respond for you.

What does All Kids Cover?

All Kids is consummate wellness insurance for your child. All Kids covers doctor visits, hospital stays, prescription drugs, vision care, dental care, and eyeglasses. All Kids covers regular cheque-ups and immunizations (shots). All Kids likewise covers special services like medical equipment, speech therapy, and physical therapy for children who need them.

Who tin can get All Kids?

Children tin get All Kids health insurance if:

They live in Illinois.
They are age xviii or younger.
They meet the insurance requirements for All Kids.
Their family's income meets the All Kids Income Limit.

What is the income limit for All Kids?

Come across the All Kids Income Standards & Cost Sharing Chart for the limits. The income limits may increment each year based on the federal poverty level.

My kids live with their female parent. Can I apply for All Kids?

No. The custodial parent must be the person filing the All Kids application. Nosotros take into business relationship the size and family income of the custodial parent.

What almost health insurance for parents?

Illinois FamilyCare health insurance covers parents, but there is a limit to how much income parents tin have to get FamilyCare. Parents and children can utilize on the same application. For more information, check out the FamilyCare Web site.

A pregnant adult female may be eligible for Moms & Babies. If she is, we tin enroll her newborn into All Kids as soon every bit she delivers. For more information about Moms & Babies, visit the Moms & Babies Web site.

How do I detect a doctor who accepts All Kids?

Nigh enrollees have to pick a wellness plan and master intendance provider (PCP) for their medical abode. The Illinois Client Enrollment Broker will contact you lot when it is time to choose. Until you have a health programme, you lot can phone call Illinois Health Connect at ane-877-912-1999 (TTY:1-866-565-8577) for assist.

How long volition my child accept All Kids coverage?

A child who that is found eligible for All Kids Assist, Share, or Premium Levels 1 and 2 has 12 months of guaranteed coverage, unless they move out of Illinois, or turn 19. Nosotros will send a notice 10 months afterward All Kids coverage starts for the family to renew for another year. At that time, some families may take to switch from All Kids.

How does immigration status touch my kid's ability to go All Kids?

Every bit long as children come across the other requirements, they tin become All Kids regardless of clearing condition. They must live in Illinois. If children come up to Illinois just to go medical intendance, they will not authorize for All Kids.

My son is not a citizen of the U.S. If he uses All Kids, will it keep him from becoming a permanent resident because he will exist a public charge?

All Kids wellness insurance volition not bear upon your kid'south immigration status as long as your child does not receive long term care in a nursing dwelling house or mental health facility. For more information about public accuse, encounter Questions and Answers about Clearing and Public Charge in HFS 3863.

If undocumented children utilize for All Kids, will you lot study them to the United States government?

No. We will simply check the clearing status of children who are not citizens if they give united states their Alien Registration Numbers.

My son was built-in in the United States. Why does the All Kids awarding ask for proof that he is a citizen?

Illinois has to ask all citizens for proof because of a federal police.

Insurance Requirements for All Kids

Children can qualify for All Kids Aid Share and Premium Level 1 even if they have insurance. To authorize for All Kids Premium Level 2, a child must accept been uninsured for 3 months, have lost insurance because a job ended, the employer stopped offering insurance, the insurance was COBRA, the premium for the child was more than than five% of the household income, the cost of the family coverage including the child was more than 9.five % of the household income, the child has special health intendance needs, or the child lost benefits under another All Kids plan or the Health Insurance Marketplace. The annual income amounts for All Kids Premium Level 2 are shown below.

Family unit Size	Income
Two person family:	$33,948 to $51,648 per year
Iii person family:	$42,684 to $64,932 per yr
Four person family unit:	$51,432 to $78,228 per year
Five person family unit:	$threescore,168 to $91,524 per year

The income limit is higher for larger families.

Income guidelines are updated each year. Bank check the All Kids Web site for updates.

I am a single mom with ii kids. I earn $thirty,000 a year. I get health insurance from my job for my kids but information technology does not cover dental care. Can my children go All Kids?

Yes. Because of your income, your children can go All Kids even if they have other health insurance. The health insurance from your job would exist your children'south primary insurance. All Kids would be the secondary insurance to employ for services that the primary insurance does not comprehend, such every bit dental care.

My child has health insurance now but it costs too much each month. Can I drop it and get All Kids?

If you driblet your childs health insurance, you volition have to look 3 months before your child can become All Kids, unless your income is lower than the amounts shown above for All Kids Premium Level 2, or your premium for the child exceeds 5% of your household income.

My child's health insurance concluded when my job ended. Can my child get All Kids?

Yep. Your child can qualify. Fifty-fifty if yous are paying your sometime employer for insurance under a COBRA programme, your kid tin can go All Kids.

My child'south health insurance merely covers hospital stays. Can my kid become All Kids?

Yeah. Health insurance that covers only one service or one medical status does not count when nosotros decide if your child tin can become All Kids. For instance, insurance that only covers vision, dental, cancer, infirmary stays, or school-based health insurance does not count.

My child has a pre-existing medical condition. Can my child get All Kids?

Yes. Children who have a pre-existing medical condition can get All Kids. Every bit function of national health care reform, no insurance company can exclude or delay new coverage for a child based on a pre-existing condition.

All Kids Costs

Some families get All Kids for gratis. Some families have to pay premiums and co-payments for All Kids health insurance. What you lot pay will depend on your income.

Monthly Premiums - Yous may accept to pay a monthly premium for your children to get All Kids. A premium is a monthly amount that some families must pay even if they do non use any wellness care that calendar month.

Co-Payments - Y'all may too take to pay a part of the cost of the healthcare your child gets from a md, dentist or infirmary. You may have to pay part of the cost of prescription drugs. These costs are called co-payments.

Yous will never have to pay a co-payment when your child gets a regular check-up or shots. These are called well-kid visits and they are free for all children enrolled in All Kids.

The amount of premiums and co-payments you will take to pay depends on your income, the size of your family unit and how many of your children get All Kids.

What volition All Kids premiums and co-payments cost an average family?

Here are some examples of what All Kids will cost. If you lot use for All Kids and qualify, we will send y'all a notice telling you how much All Kids will cost your family. Nosotros will ship you a beak every month if y'all have to pay a premium.

Instance - A family of iv that makes up to *$36,168 of gross income each twelvemonth does not have to pay any premiums or co-payments for their children.

Case - A family of four that makes about *$36,180 to $38,628 of gross income each year does not take to pay any premiums. A family like this pays a $3.90 co-payment for each doctor visit, and $2 or $3.ninety for each prescription. This family would pay a maximum of $100 in total co-payments in a yr.

Example - A family of 4 that makes about *$38,640 to $51,420 of gross income each year pays premiums of $15 per calendar month for one child, $25 for two children or $30 for three children. A family like this pays co-payments of $5 for a visit to a physician, and $3 or $five for each prescription drug. This family would pay a maximum of $100 in total co-payments in a year.

Instance - A family unit of iv that makes almost *$51,432 to $78,228 of gross income a year pays a premium of $xl per month for one child and $80 a month for 2 children. A family like this would pay $ten for each doctor visit, and $iii or $vii for each prescription drug. This family would pay $100 if a child was hospitalized and 5 pct of the cost of any hospital outpatient service.

Remember, no family ever has to pay for their children's regular check-ups and immunizations.

*The income standards may increase each year. For more than detailed data about All Kids costs run across the Income Standards & Cost Sharing Chart.

Do I take to pay my first premium to commencement All Kids coverage?

Coverage for new families enrolled in All Kids Premium Levels 1 and 2 may start before you pay the first month's premium. If y'all get an approval letter and do not desire the coverage, yous must contact 1-866-255-5437 right away to cancel the coverage. If you exercise non cancel the coverage, you may still owe coin for premiums even if y'all don't employ the All Kids card.

What happens if I do non pay my All Kids premiums?

If you lot do non pay All Kids premiums that you owe, nosotros will abolish your child's All Kids health insurance. You will nevertheless owe premiums for the time your kid was covered past All Kids fifty-fifty if you do non use the card. If you decide later that you desire All Kids for your child, you volition accept to reapply and pay any premiums you owe. However, even if you owe premiums, you may reapply at any time.

What happens if I do non pay my All Kids co-payments?

If you do not pay your co-payments, your doctor may refuse to treat your child, and pharmacies will non fill your prescriptions. If you owe a co-payment, doctors and hospitals accept the correct to collect it from you.

How exercise I Apply for All Kids?

The easiest way to apply is using the Net. You lot tin fill in and submit an ABE Application online.

Yous tin can also download and print a copy of the application from the Web site.

There are All Kids Application Agents all over Illinois that can help you use. To find an application amanuensis nigh you, visit the All Kids Application Agents Web site or phone call the number below.

We can besides transport you an application in the postal service. Simply call 1-866-All-Kids (1-866-255-5437). If y'all utilise a TTY, telephone call 1-877-204-1012. The hotline has translation services available.

What Happens After I Apply?

All Kids will notify you by post when a determination has been made. If your child qualifies for All Kids, we will ship you an All Kids member handbook to explain how it works. We will also send you an HFS Medical Bill of fare.

All Kids Hotline 1-866-ALL-KIDS (1-866-255-5437)

TTY: 1-877-204-1012

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Source: https://www2.illinois.gov/hfs/MedicalPrograms/AllKids/Pages/about.aspx