Certified Application Counselor Practice Test

Which healthcare program is generally for low-income families and children?

1. Medicare

2. TRICARE

3. CHIP

4. COBRA

The correct answer is: CHIP

The correct response is associated with the Children's Health Insurance Program, commonly known as CHIP. CHIP is specifically designed to provide health coverage for children in families with incomes that are too high to qualify for Medicaid but too low to afford private health insurance. This program aims to ensure that children receive essential medical services, promoting health and wellness among low-income families. Medicaid can also assist low-income families and children; however, CHIP is distinct because it targets children specifically and offers additional coverage options for families that do not meet Medicaid requirements. It fills a crucial gap in healthcare accessibility for children by offering comprehensive coverage, including routine check-ups, immunizations, and emergency services. Medicare and TRICARE serve different populations; Medicare primarily caters to older adults and certain individuals with disabilities, while TRICARE is tailored for military personnel and their families. COBRA provides continuation of health insurance coverage for individuals who lose their job-based insurance but is not specifically geared towards low-income families or children. Each of these other programs has a different target demographic and purpose, which differentiates them from CHIP's mission of supporting health care access for children in low-income households.