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Can You Get Medicare for Kids?

Medicare was started as a program for adults aged 65 and older. Over time, the program has allowed others to receive federal health insurance even if they are not 65. For instance, children can receive Medicare and other government-related healthcare if they meet certain conditions. Children are defined by Medicare as anyone under the age of 22 who is unmarried. If you have a child who needs Medicare, and they have a disability or special needs, then you likely qualify for certain government health programs for kids. These are some tips to go over when deciding what type of health coverage to get for your child.

Are Children Eligible for Medicare?

If you want to qualify for Medicare, children must be disabled and checked through the Social Security Administration. They need to have been receiving social security for their benefits for two years before applying for Medicare. However, if your child has End Stage Renal Disease, which is a kidney condition that needs dialysis every day or a transplant for the affected kidney. Medicare pays for doctor’s visit and medical services that are provided for those disabilities and conditions that are allowed by Medicare.

Quick Facts on Medicare for Kids

What Requirements Do Parents Have to Meet

In order for the child to be eligible for Medicare, parents also have to meet requirements set by the federal health program. Medicare only gives benefits to children when they are disabled or have a type of disease like ESRD. Medicare only gives treatment to legally adopted or birth-related children. Stepchildren can only receive Medicare if you have been a parent for at least one year. You also must have received Medicare credits in the past years through work. Parents can also get Medicare credits for each $1,120 that put into Medicare from working. If a parent is eligible for social security disability or the railroad retirement board benefits, then the child also qualifies for Medicare Part C.

Time Limits on Getting Medicare for Kids

Medicare benefits have time restrictions for those who have end stage renal disease. In general, coverage ends about 12 months following the last dialysis treatment. It can also end after three years past from the date that your child received a kidney transplant. IF you have a child who is disabled, then he or she can keep benefits as long as they continue to be disabled. The law allows anyone over the age of 22 to qualify for Medicare through disability if it began before age 18 and even if you don’t have any working credits.

What is CHIP and Can I Use It for My Child?

CHIP:

CHIP provides health coverage fr children in families that make too much to qualify for Medicaid but also can’t afford private health insurance. CHIP was created in 1997 and continues to be one of the best programs for kids healthcare in the US.


CHIP is administered on a state level just like Medicaid, but it is partially funded by the federal government. However, money also comes from the stage budget. There is a federal matching rate for CHIP programs in each state that equals to about 15 percentage points. It’s actually higher than Medicaid. However, you have to work with each state as they all have their own CHIP programwith CMS and general guidance services.

How to Get CHIP

In general, only low income families are eligible for CHIP. These are some of the qualifications that you use to determine your own eligibility:

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