Question

1) What services must be included in CHIP plans?

2) In states that do not have mandated workers' compensation fund, how do employers purchase workers compensation insurance?

Answer 1

1. Ans

The Children's Health Insurance Program (CHIP).CHIP is funded jointly at the federal and state levels of legislature through a formula based on the Medicaid Federal Medical Assistance Percentage (FMAP)

CHIP benefits are different in each state. But all states provide comprehensive coverage, including:

*Routine check-ups
*Immunizations
*Doctor visits
*Prescriptions
*Dental and vision care
*Inpatient and outpatient hospital care
*Laboratory and X-ray services
*Emergency services

2. Ans

Employers are legally obligated to take reasonable care to assure that their workplaces are safe. Nevertheless, accidents happen. When they do, workers compensation insurance provides coverage.

Workers compensation insurance serves two purposes: It assures that injured workers get medical care and compensation for a portion of the income they lose while they are unable to return to work and it usually protects employers from lawsuits by workers injured while working
Workers compensation systems are established by statutes in each state. State laws and court decisions control the program in that state and no two states have exactly the same laws and regulations.
In certains states where there is no mandated workers' compensation fund,the employers can meet their Workers Comp obligations by either purchasing insurance, becoming a member of a group self-insurance trust, or by being approved as a self-insurer. One other option is to obtain coverage by means of a PEO (Professional Employer Organization)—otherwise known as employee leasing.