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Model Application Template for the State Children’s Health Insurance Program

Effective Date:

October 1, 2009 19 Approval Date: November 19, 2010 adult). If the income, after these standard disregards are made, is equal to or less than 300%FPL but over the Medicaid income eligibility limit and the applicant is otherwise eligible, the applicant will be enrolled in ALL Kids. The Department and Medicaid will collaborate closely to assure coverage through the appropriate program (i.e., Medicaid or CHIP) for those children whose incomes fall near the low-end threshold.

Income is based on self-declaration as recorded on the application.

4.1.4. ∼ Resources (including any standards relating to spend downs and disposition of resources): 4.1.5. X Residency (so long as residency requirement is not based on length of time in state) : A child must be a resident of the State of Alabama to be eligible for ALL Kids. Residency will be based on self- declaration as recorded on the application. 4.1.6. X Disability Status (so long as any standard relating to disability status does not restrict eligibility): Children will be eligible for ALL Kids regardless of disability. ALL Kids PLUS is available to children with special conditions/needs who are enrolled in ALL Kids. ALL Kids PLUS enrollment is restricted to services authorized and financed by PLUS participating agencies. However, if access to additional matching funds becomes available and/or the health needs of CSHCC/N change, authorized services will be revised to reflect these changes.

4.1.7. X Access to or coverage under other health coverage: A child is not eligible for ALL Kids if s/he has any other health insurance coverage or is found eligible or potentially eligible for Medicaid. Health insurance coverage is considered coverage under any group plan, and includes eligibility for state subsidized group health insurance (state employees, public school employees) whether or not the parent opts for the coverage.

Alabama uses several measures to minimize the effects of crowd- out in the ALL Kids program. The application form contains a statement asking about current health insurance coverage and coverage terminated within the past 90 days. Effective October 1, 2003, the ALL Kids program also requires a premium contribution for all children except Native Americans and Alaskan Natives. This family contribution is a disincentive for families to drop group employer coverage for the ALL Kids program. Additionally, since the ALL Kids package was designed to be similar to the standard benefit levels offered through most employers, there is no incentive to drop employer-based dependent coverage in favor of ALL Kids