CoverKids offers free health coverage for pregnant women and children who do not have insurance and who do not qualify for TennCare. Children age 18 and under also get dental and vision benefits. Preventive health care is free! Sick visits and medication have very low co-pays. And pregnant women get prenatal, delivery and 60 days postpartum care.
CoverKids receives funding as part of the federally-sponsored Children's Health Insurance Program (CHIP), which provides health insurance to uninsured children in all 50 states and the District of Columbia.
What are the CoverKids requirements for eligibility?
Pregnant women and children can get coverage if:
Under 19 years of age
Household income up to $60,625 annually for a family of four
Enrollees who are Native American/Alaskan Native may be eligible for additional benefits.
CoverKids must be your only health plan. To get benefits, you cannot be part of any other plan (special rules apply to pregnant women).
Children must also be U.S. citizens or qualified aliens.
A paper application with a signed cover page may be faxed to CoverKids at 1-866-913-1046, or
A paper application with a signed cover page may be mailed to CoverKids at P.O. Box 305230 Nashville, TN 37230-5230.
I am pregnant. Can I get a decision right away?
YES! You can usually get a quick decision if you have a Social Security Number. Just apply at www.healthcare.gov or call 1-800-318-2596. This is the easiest way to apply. If you apply there, you might even get a decision today!
If you already have CoverKids, call 1-866-620-8864 immediately after your baby is born. We will enroll your baby in coverage. Your baby will either get TennCare or CoverKids. Either way, coverage will start on the day your baby was born.
I am pregnant. Can I get in-person help with my application?
Will CoverKids cover uninsurable children and children with special health needs?
Yes. CoverKids is a guaranteed issue policy and there are no pre-existing condition exclusions for its members.
Who can apply for CoverKids coverage on behalf of a child(ren)?
The custodial parent can submit a CoverKids application for the child(ren). The child(ren) must reside in the household with the custodial parent.
Once a pregnant woman or child is enrolled, how long will the child be covered?
Once a child is enrolled in CoverKids, coverage is for 12 months. After the first year, eligibility for the program will be verified annually.
When will my CoverKids coverage begin?
CoverKids coverage will begin the date of receipt of the completed and signed CoverKids application.
Do I need a statement from my doctor confirming my pregnancy?
No, a provider statement is not needed.
I am pregnant and a non-citizen, do I have to submit any documents?
If you are a pregnant woman, no immigration documents are required.
If a family's income changes during the year, can a child lose coverage?
Once a child is enrolled in CoverKids, he or she will receive 12 months of coverage. CoverKids will not re-examine an enrollee's eligibility during this time.
If your household circumstances change contact our Eligibility Contractor at 1-866-620-8864 within 10 days.
If a child has access to a parent's employer-sponsored insurance, but the family declined the coverage because it was too expensive, is the child eligible for CoverKids?
Yes. Access to coverage is not a factor in CoverKids eligibility. If all other eligibility criteria are met, it is simply a matter of whether the child is insured or uninsured.
If a child has a trauma and goes to the hospital can they enroll at the hospital?
A family can apply for CoverKids at any time, but the coverage will begin on the date of receipt of the completed and signed CoverKids application.
Families are encouraged to apply for the CoverKids program before children become injured or ill.
What services are covered?
CoverKids provides comprehensive health insurance with an emphasis on preventive health services and includes the following:
Vaccinations and well-child visits
Mental health services
Physical, speech and occupational therapy
What types of preventive health services are covered?
CoverKids has an emphasis on services children need most, such as well-baby and well-child visits, as well as age-appropriate immunizations according to the schedule and endorsement of the American Academy of Pediatrics.
What mental health benefits are included?
CoverKids covers inpatient and outpatient mental health care and substance abuse treatment for low co-pays without limits. Prior authorization is required for these services.
Are orthodontic services covered?
Yes, for children. Children must have one year of continuous enrollment to be eligible for orthodontic services.
What is the cost associated with CoverKids?
Families who meet the income guidelines will not pay monthly premiums for CoverKids, but will be required to make co-payments for certain services. Co-payments will vary based on income. By federal guidelines, a family's total annual out-of-pocket expenditures cannot exceed five percent of the annual household income.
Are children on CoverKids assigned a physician?
No. Families will have a listing of participating physicians in their area and can select the health care provider they are most comfortable seeing. Families are encouraged to select a physician to be their medical care coordinator so their children can have continuity and quality of care.
What health care providers participate in the network?
CoverKids is part of BlueCross BlueShield of Tennessee's TennCareSelect network with providers across the state. This network provides access to at least one physician, hospital and pharmacy within 30 miles of any member, which is consistent with the standard guidelines for access to care.
What Language Assistance is available?
A Spanish language version of the application is available online at www.tn.gov/coverkids. Contact us at 1-866-620-8864 for further language assistance.
What happens when a child is too old to qualify for CoverKids?
CoverKids is specifically intended for children, not adults. As a result, a child is no longer eligible for CoverKids after age 19.
Once ineligible due to age, a member should explore other coverage options such as health insurance through the marketplace at www.healthcare.gov or employer sponsored insurance.
What is the best way to learn more about CoverKids?
Information is available at www.tn.gov/coverkids. For more detailed questions about CoverKids, call 1-866-620-8864.