Virginia Children's Health Insurance Program
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
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
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
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
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
There 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 endeavour 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
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 vigour. 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.
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
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