West Virginia Children's Health Insurance Program

West Virginia Children's Health Insurance Program (WV CHIP) is a program that provides health insurance to children who meet the specified requirements and qualify. This program aims to provide high quality health care to every child in West Virginia. Some of the services this insurance program provides include prescriptions, immunizations, dental and eye checkups, lab and x-ray services, hospital visits and mental health services. Preventive care is free of cost, and all other services require you to pay a nominal premium.

If you have a child, he or she could definitely fall sick and need medical services, especially when they are very young. Money can be the biggest cause of worry when your child or teen is sick or injured. This insurance program helps you be prepared and face unforeseen medical emergencies and injuries. Children are covered by the program until they reach 19 years of age. The program will however have to be renewed every year. The parents or guardians will be intimated at the time of renewal.

A child should be a citizen of West Virginia to receive the various benefits this program entails. He or she should be less than 19 years of age and not be covered by any other medical insurance. The beneficiary should be a US citizen, a permanent resident or a legal alien.

This program was enacted in 1965 by making amendments to the Social Security Act. This health coverage program is financed by the federal governments and the States. Although States have to include a few mandatory benefits, it is up to the individual States to determine the scope of services, the duration of the program, type of services available and cost.

To find out eligibility requirements, premiums, benefits, application and renewal procedures and cost–sharing details of West Virginia CHIP you can log onto the website. You can also call the toll free contact number for confidential information. The knowledgeable personnel will help you with the application and tell you about the documents you will have to submit to make your child eligible. You can send the filled application and documents through mail. You can also submit them online.

If your children are not covered by the health insurance that you are entitled to at work, you will need additional health insurance. Health insurance however is very expensive and need not cover all illnesses that affect children. This health program makes your child eligible. A call to the toll free number will tell you about the premiums, enrollment fees and copayments that need to be made and about the eligibility criteria.

Health is wealth is an old saying that is very much true now too. A healthy child is active, attends school regularly and does well in school. A child who gets good treatment at the right time is sure to be a healthy child, teen and adult. Health care is costly, and often, the only reason a parent is not able to pay for the treatment he wants for his child is the high cost. This health program enables parents to provide prompt treatment and preventive care. Children can also get treated for ear infections, breathing problems and other medical conditions that recur. They can also receive regular dental care.

More than 7 million children are being covered under West Virginia Children's Health Insurance Program. They receive low cost or free health coverage for a range of ailments and injuries. Thirty percent of children under the age of six in West Virginia live in poverty. A household of three with a maximum income of $57,270 and a household of four with a maximum income of $69,150 per year are eligible for coverage under this health insurance program.

The Joys And Tribulations Of Childcare

happy man imageThere is the old saying that every child is a blessing. This axiom couldn't be any truer than when it comes to the joys and tribulations of bringing a child into this world, nurturing it, and raising it into an adult someday.

But as parents who have raised or who are currently raising young children ourselves, this axiom can give us some pause. After all, when your baby won't stop crying, refuses to let you put her down, keeps touching things she shouldn't be, refuses to eat, keeps making a mess, throws tantrums, and won't let you get a good night's sleep, and demands so much of your time and energy, then you might be inclined to think to yourself "what have I gotten myself into". It is at vexing times like these it might be hard to picture your child as a blessing.

But they say that the ends justify the means. Any project or endeavor that you undertake requires struggle and effort.

Once you bring a child into this world, you are in it for the long haul. For a good eighteen (and in many cases more) years of your life, you will be dedicated to taking care of all of the needs of another human being who is entirely dependent upon you financially, physically, academically, socially, and emotionally.

Patience is a virtue. Life is short. You can either choose to let everything stress you out, or you can "embrace the madness", laugh it off and realize that it is all part of the cycle of life. Dirty diapers, permanent markers on the wall, pee stains on the carpet are all signs of a lively household.
 

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Would you ever even consider the notion of trading all of this in for a house devoid of the laughter of little children, their inquisitiveness, their creativity, their sense of wonder and amazement at things that seem trivial to us, and their boundless energy?

Now, let's put things into perspective. After all, each and every one of us used to be a child once. Each and every one of us was raised by parents who struggled hard, sacrificed so much, and put up with our crying, our whining, our tantrums, and our messiness, in order that we may someday grow up to become fine upstanding human beings and productive members of society.

Being a parent is a huge responsibility. Some of us willingly welcome it and take it on with enthusiasm and vigor. Some of us are thrust into the role of parenthood by "accident" or as victims of "circumstance". And if anybody tells you that raising children is easy, they might as well try to sell you the moon too while they are at it.

Take comfort in the fact that you are not alone. Before you had kids, you probably looked at all of those other misbehaving kids and tried to pass judgment on what bad parents they must have. And now that you have kids of your own, you are in their shoes. You know better.

There is no "owners manual" for how to be a good parent or how to raise a kid. Every parent learns as they go along. And so shall you. Just be patient and enjoy the ride.

 

IMPORTANT!

Please be aware that the articles on this site are written by mothers who are discussing their own experiences and their own opinions. They do not, and are not meant to, represent professional advice and should be read with that point firmly in mind. Our children’s welfare is paramount; if you are ever in the slightest doubt about any aspect of caring for a child you are urged to seek qualified, specialist advice from a professional advisor.

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