Jeffrey Wade
If you are looking to apply for medical insurance for your child in Ohio, there are several options available to you. The state offers the Children's Health Insurance Program (CHIP), which provides low-cost or free health insurance for children and teens from low-income families who do not qualify for Medicaid. Additionally, Ohio law requires that all child support orders include a child support payment amount for when private health insurance is provided, and a separate amount for when it is not. This means that if you are unable to obtain private health insurance, you may still be able to receive financial support from the child's other parent to contribute to their medical expenses.
| Characteristics | Values |
|---|---|
| Insurance type | Social Security Disability Insurance (SSDI), Supplemental Security Income (SSI), Medicaid, Children's Health Insurance Program (CHIP) |
| Who is eligible? | Children with a physical or mental condition that limits their activities, and whose family has a limited income |
| Cost | Free or low-cost |
| Coverage | Regular check-ups, immunizations, doctor and dentist visits, hospital care, prescriptions, and mental health services |
| Application process | Apply online, by phone, by mail, or in person |
| Contact | Insure Kids Now: (877) 543-7669 Ohio Medicaid Consumer Hotline: (800) 324-8680 |
| Additional support | Montgomery County, OH offers financial support for children with medical needs |
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What You'll Learn
Children's Health Insurance Program (CHIP)
In Ohio, the Children's Health Insurance Program (CHIP) offers free or low-cost health insurance for children and teens from birth to 19 years old. CHIP is a federal and state-funded program that provides health coverage for children who are not eligible for Medicaid but whose families cannot afford private insurance. The program covers regular check-ups, immunizations, doctor and dentist visits, hospital care, prescriptions, and mental health services.
To apply for CHIP in Ohio, families can apply online, by phone, by mail, or in person. The official website for the Health Insurance Marketplace, healthcare.gov, provides information on both Medicaid and CHIP. This website allows users to compare health plans and prices, enroll or renew coverage, and make updates to their applications.
Additionally, families can contact Insure Kids Now at (877) 543-7669 or the Ohio Medicaid Consumer Hotline at (800) 324-8680 for more information and assistance with the application process. These resources can help families navigate the different options available and ensure their children have access to the healthcare they need.
In Ohio, there are also other programs that can help families with the cost of healthcare. For example, the Nationwide Children's Hospital Financial Assistance Program helps families sign up for coverage through Healthy Start and Healthy Families, Children with Medical Handicaps, Health Care Exchange, Medicaid, and the Hospital Care Assurance Program (HCAP). HCAP specifically provides hospital services for those whose income falls below 100% of the federal poverty level and who are not eligible for Medicaid.
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Medicaid
To apply for Medicaid in Ohio, you can use the official Health Insurance Marketplace website, or contact your local County Department of Job and Family Services (CDJFS) office. The Health Insurance Marketplace allows you to compare health plans and prices, enroll or renew coverage, and make updates to your application. When you apply, you will need to create an account and fill out an application. If it appears that anyone in your household qualifies for Medicaid, your information will be sent to your state agency, which will then contact you about enrollment. You can also call the Ohio Medicaid Consumer Hotline at 1-800-324-8680 or 1-800-292-3572 (TTY) for assistance.
When applying for Medicaid, you may need to provide certain information or documentation. This includes proof of income, as eligibility is based on your family's income level. It is important to note that not all medical providers accept Medicaid, so be sure to check with your state's Medicaid agency or a benefits planner to find a participating provider.
If your income is too high for Medicaid eligibility, your child may still qualify for the Children's Health Insurance Program (CHIP). CHIP provides medical and dental care for uninsured children and teens up to age 19, with qualifications varying by state. In Ohio, CHIP is known as Healthy Start, and you can apply through the same channels as Medicaid.
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Social Security Disability Insurance (SSDI)
In Ohio, there are several options for families to get medical insurance for their children. These include Healthy Start, Healthy Families, Children with Medical Handicaps, Health Care Exchange, Medicaid, and the Hospital Care Assurance Program (HCAP). HCAP, for instance, provides hospital services for those whose income falls below 100% of the federal poverty level and are not eligible for Medicaid.
Now, Social Security Disability Insurance (SSDI) is a federal program that provides financial assistance to people with disabilities who meet specific requirements. SSDI is tied to your work history, and it pays benefits to you and certain members of your family. Your eligibility for SSDI is based on your age, disability, and how long you worked. Your payment amount is based on your work history before your disability began.
To be eligible for SSDI, you must meet the Social Security Administration's definition of disability, which assumes that working families have access to other resources to support them during short-term disabilities. These resources include workers' compensation, insurance, savings, and investments. Additionally, your earnings must be below certain thresholds to be considered for SSDI. As of 2025, if your average monthly earnings are more than $1,620 ($2,700 if you're blind), you generally cannot be considered to have a disability.
If you meet the initial criteria, the Social Security Administration will use a step-by-step process with five questions to determine if you have a qualifying disability. If your application is approved, there is a five-month waiting period before your benefits start. SSDI benefits may include monthly payments and Medicare, and you may be able to continue working without losing your benefits.
You can apply for SSDI online, by phone, or in person. You can also use the Social Security benefits questionnaire to see if you are eligible. If your application is denied, you have the option to appeal the decision.
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Supplemental Security Income (SSI)
To qualify for SSI, you must be a U.S. citizen or a qualified alien, be blind or have a disability, be 65 years or older, and have low income and limited resources. Examples of qualified aliens include people who are lawfully admitted for permanent residence (LAPR) in the U.S. and refugees admitted to the U.S. under Section 207 of the Immigration and Nationality Act (INA). Qualified aliens must also meet certain other conditions to get SSI.
The SSI application process can take four months or longer. To apply, you need to provide basic information like your name, date of birth, and address. You don't need to have a fixed address to apply for SSI. You also need to provide identification, such as a passport, driver's license, or state ID, and proof of U.S. citizenship, like naturalization papers or a U.S. passport if you are a citizen born outside the U.S.
If you have questions about SSI or need assistance with the application process, you can call Social Security at 1-800-772-1213 or 1-800-325-0778 (TTY) or visit your local Social Security office. You can also contact a Work Incentives Planning and Assistance (WIPA) counselor if you want to know how work might affect your SSI benefits.
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Health Insurance Marketplace
In Ohio, the Health Insurance Marketplace is set up through the Affordable Care Act (PPACA/ACA). The official website, HealthCare.gov, provides information on Medicaid and the Children's Health Insurance Program (CHIP), which offer free or low-cost health insurance for children and teens from ages 0-19. The website also allows users to compare health plans and prices, enroll or renew Marketplace coverage, make updates to their application, cancel their plan, or learn about tax credits for private insurance.
Marketplace plans are designed for those who are uninsured or buy their own health insurance, including small business owners. The website provides a link to find a local agent who can provide further assistance. Additionally, the Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) programs offer financial assistance for individuals who meet the federal requirements for disability, including children with physical or mental conditions that significantly limit their activities, provided their family has a limited income.
For families unable to pay for care, Nationwide Children's financial counselors can help with signing up for coverage through programs such as Healthy Start, Healthy Families, Children with Medical Handicaps, Health Care Exchange, and the Hospital Care Assurance Program (HCAP). HCAP is available for those whose income falls below 100% of the federal poverty level and are ineligible for Medicaid. The Nationwide Children's Hospital Financial Assistance Program assists those who have exhausted all other resources and are unable to pay for care.
Furthermore, Cigna Healthcare offers a range of insurance plans and products that cater to all aspects of an individual's well-being, from childhood through retirement. They provide instant access to a digital ID card through their website or mobile app, which can be used during doctor visits. Cigna also offers 24/7 access to board-certified doctors via phone or video for common health issues, along with prescriptions if needed.
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Frequently asked questions
You can apply for medical insurance for your child in Ohio by checking their eligibility for the Children's Health Insurance Program (CHIP) or Medicaid. You can apply for both online, by phone, by mail, or in person.
The Children's Health Insurance Program (CHIP) provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid. Each state has different eligibility requirements for CHIP, and in Ohio, it covers children and teens up to the age of 19.
CHIP covers routine "well child" doctor and dental visits, immunizations, hospital care, prescriptions, and mental health services.
Medicaid provides free or low-cost medical benefits to people with low incomes. Each state has different eligibility requirements for Medicaid.
You can check your child's eligibility for CHIP or Medicaid by creating an account with the Health Insurance Marketplace and filling out an application. If it looks like your child qualifies, your information will be sent to your state agency, and they will contact you about enrollment.
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