How to keep your policy and your family in the loop on health care coverage and benefits
Health insurance coverage and the impact of new and revised coverage laws vary by state.
Here’s a quick look at some of the major changes and what you need to know about them.
How can you get started?
Insurance coverage is the key to keeping a family and yourself covered.
For some, it can be as simple as a policy renewal or a new job.
For others, the insurance provider may require you to get a new policy, which can make it harder to stay in the insurance pool.
Here are some tips to help you understand your insurance options and to decide how best to get covered.
The federal government is offering free or low-cost insurance to low-income Canadians.
This coverage is called the Children’s Benefit Plan, or CHP, and it offers coverage for up to three children who are eligible for federal benefits.
The CHP covers a family of three with a single person or two adults with a family.
The benefit plan also includes an annual deductible of $2,500 and a cap on the maximum monthly premium for family coverage.
The policy does not include coverage for maternity or newborn care.
The Canada Revenue Agency also offers a free or subsidized CHP to Canadians with incomes between $19,400 and $49,600 a year.
For more information, call 1-800-267-4437.
Insurance coverage also varies by province.
In British Columbia, children aged six months and under are covered under the Childrens and Families Health Insurance Plan.
For children aged two to four, the plan covers a maximum of two children per family.
For a maximum family of four, that amount is three children per household.
In Alberta, children under two are eligible to receive a child benefit plan, but it’s not available to children in school.
In Saskatchewan, the CHP is available to all families.
The plan covers up to two children and their parents, who are considered full-time students.
In Manitoba, children are covered up to four children, their parents and their siblings.
In Quebec, the maximum coverage is $2.65 per day for children and up to one parent per household, but that amount may not be enough to cover the costs of care for the children.
For information about CHP coverage in Quebec, contact the provincial Child and Family Benefit Services Branch at 1-888-222-6400.
Coverage is also dependent on the age of your child.
In Ontario, children between the ages of three and four are eligible if their family is making less than $30,000 per year.
If they make more than $36,000 a year, they are not eligible.
In New Brunswick, children over the age on average have an annual income of less than the provincial average.
The children must be attending school.
If you have children younger than 18, you may be eligible for the Child Care Benefit Plan if you pay for the cost of the care for your child, but if you are under 18, it is free.
In Nova Scotia, the Child and Youth Benefit Plan covers up, two and three years, but you must be under 18 to be eligible.
The coverage for children ages five and under is $1,000 for a family or $1.25 for a single parent.
For further information, visit the Canada Revenue Department website.
For help paying for a policy, see how to calculate the monthly premium.
How do you find out if you qualify for CHP or other child benefit coverage?
If you are eligible, you can find out about the CHPs monthly premium and how much you’ll pay for coverage.
Check out the Child Benefit Services Canada website, www.childbenefit.gc.ca, for information on the CHPL and the Child & Family Benefit Plan.
CHPs cost depends on your income and your eligibility for the CHPP, but the coverage is generally free for families with income between $59,600 and $119,600.
The monthly premium is the total amount you will pay.
For example, if your family is earning $59.5, $19.25, and $19 for a full-term, full-year child, the monthly monthly premium would be $30.00.
In addition to being able to check your monthly premium, you also have the option to request a free copy of your CHP premium to show it to a tax advisor.
If your CHPP coverage ends before the end of the year, you will have to pay an additional $1 per month to keep the CHPA in your name.
To make the request, call toll-free 1-866-387-4343.
The Child and Young Persons Benefit Plan also includes a child premium.
For most families, the premium is about $2 per child and is a minimum of $4,000.
For families with incomes above $60,000, the child premium is $5,000 or more