No parent should have to choose between paying rent and taking their child to the doctor. In Florida, the Children's Health Insurance Program — known locally as Florida KidCare — ensures that kids in working families have access to comprehensive medical coverage.
What Is CHIP and How Does Florida KidCare Work?
CHIP is a joint federal and state program designed to cover uninsured children in families with moderate incomes. Florida KidCare includes four components:
- MediKids — ages 1 through 4
- Florida Healthy Kids — ages 5 through 18
- Children's Medical Services (CMS) Managed Care Plan — children with special health care needs
- Medicaid for Children — families at the lowest income levels
Income Limits and Eligibility Requirements
| Household Size | Maximum Annual Income (Approx.) |
|---|---|
| 2 | $41,000 |
| 3 | $51,600 |
| 4 | $62,400 |
| 5 | $73,000 |
| 6 | $83,600 |
Additional rules: child must be under 19, a U.S. citizen or qualified non-citizen, a Florida resident, and not currently have employer-sponsored insurance available for the past 60 days.
What Does CHIP Cover?
- Doctor visits and well-child checkups
- Immunizations and vaccinations
- Hospital stays and emergency room visits
- Prescription medications
- Dental and vision care
- Mental health and substance abuse treatment
- Lab work and X-rays
- Specialist referrals
Monthly premiums range from $15 to $20 per family.
How to Apply in Daytona Beach
- Apply online at Florida KidCare or call 1-888-540-5437
- Gather documents — Social Security numbers, proof of income, proof of residency
- Submit the application — processing takes 30 to 45 days
- Receive your determination
Common Mistakes to Avoid
- Not reporting all children
- Forgetting to renew — coverage must be renewed annually
- Assuming you earn too much
- Overlooking dental and vision
See also: SNAP benefits guide and Medicaid eligibility overview.
See What Benefits You Qualify For
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Start Free Assessment →Frequently Asked Questions
Can I apply if my child was denied Medicaid?
Yes. If denied Medicaid due to income, the application is often automatically forwarded to the appropriate Florida KidCare component.
Is there a waiting period before coverage begins?
Coverage begins the first day of the month after your first premium payment is received.
What happens if my income changes after enrollment?
Report income changes within 30 days. Your child may simply be moved to a different component.
Does Florida KidCare cover children with pre-existing conditions?
Absolutely. Florida KidCare does not deny coverage based on pre-existing conditions.
