Certified Application Counselor Practice Test

Which group of individuals is covered by both Medicaid and CHIP?

1. Low-income elderly

2. Children from families with high income

3. Low-income pregnant women and children

4. Retired individuals

The correct answer is: Low-income pregnant women and children

The correct selection is based on the fact that both Medicaid and the Children's Health Insurance Program (CHIP) are designed to provide health coverage primarily for low-income individuals, particularly children. Medicaid offers coverage for a range of low-income individuals, including those who are pregnant and families with children, aligning with the goals of CHIP to provide health insurance to uninsured children in families with incomes that are too high to qualify for Medicaid but too low to afford private coverage. Low-income pregnant women and children qualify for both programs because Medicaid extends benefits to pregnant women with low incomes, and CHIP covers children in families with incomes up to a certain threshold, which varies by state. This joint coverage serves to ensure that these vulnerable populations receive access to necessary healthcare services. In contrast, other groups mentioned, such as low-income elderly individuals and retired individuals, generally rely on different programs like Medicare and do not fall under the specific eligibility criteria established for Medicaid and CHIP. Additionally, the reference to children from families with high income does not align with the purpose of these programs, which focus on assisting those with limited financial resources.