MIChild is a low cost health insurance program meant to help the working families of Michigan. It provides coverage for uninsured children from birth to age 19. Children of families who are at, or below, 200% of the federal poverty guidelines, AND are not eligible for Healthy Kids (Medicaid) AND who do not currently have comprehensive health insurance, are eligible.
Children must be U.S. citizens and live in Michigan, even if just for a short time. The number of family members, plus gross income, determines eligibility for the program. Either parent may apply for MIChild if there is a joint custody arrangement. The income of the parent the child is living with when the application is filed will be used to determine eligibility.
Application for MIChild may be made immediately if the parent loses any insurance coverage they may have through their employer or if the parent decides ahead of time not to buy available insurance through the employer. However, there is a six-month waiting period to apply if the parent voluntarily drops their insurance coverage through the employer. Parents may immediately enroll if they drop private insurance coverage. Generally MIChild cannot be a secondary insurance.
MIChild covers the following:
- Well child visits (regular checkups)
- Immunizations (shots)
- Dental services
- Hearing and vision services
- Diagnostic services
- Primary care and specialty physician services
- Inpatient and outpatient hospital services
- Emergency services
- Mental health and substance abuse treatment services
- Prescriptions and medical supplies
MIChild benefits begin the first day of the next month after the child is enrolled. MIChild does not provide retroactive coverage. Most MIChild services are provided through managed care medical and dental plans that have contracted with the State. There are no co-pays and no deductibles. Medical care is comprehensive and modeled after the state employee health plan. There are no caps per se on medical services. There is, however, a $600.00 cap on the dental benefit per child, per year. No benefits are provided for orthodontics (braces). Mental health and substance abuse treatment services are provided by the local community mental health agency.
A family pays $5.00 a month for MIChild coverage regardless of the number of children in the family. Clients can pay the premium monthly, quarterly, semi-annually or annually. Native Americans do not pay monthly premiums for MIChild.
Applications for MIChild are available at the Barry-Eaton District Health Department, the Family Independence Agency, and other community human service agencies. They also can be obtained through the mail by calling 1-888-988-6300.
The following information is needed to apply for MIChild and/or Healthy Kids:
- Pictured ID
- Social Security numbers for all family members (or proof applied for)
- Pay stubs for the last 4 weeks
- Any other insurance cards
- I-551 or I-94 card (if not a United States citizen)
- Due date if pregnant (doctor’s statement needed if more than one child)
For more information, call: 517-543-2430 Ext 532 (Eaton County) or 269-798-4135 (Barry County)