Health Insurance is an issue for many families.

Today’s post shares information about CHIP, The Children’s Health Insurance Program. CHIP is a low-cost health insurance coverage for children in families who earn too much income to qualify for Medicaid coverage but can’t afford to purchase private health insurance. CHIP is a state and federal partnership program that works closely with Medicaid.

Every state operates a CHIP, although most states have unique names for their programs like Child Health Plus (New York), Healthy Families (California), and Hoosier Healthwise (Indiana).

In several states, CHIP and Medicaid are combined into one program.

Here are some Children’s Health Insurance Program Basics:

• Basic eligibility for CHIP: Children up to age 19 in families with incomes up to $45,000 per year (for a family of four) are likely to be eligible for coverage. In many states, children in families with higher incomes can also qualify.
• Eligibility and pregnancy: Pregnant women may be eligible for CHIP. Coverage for expectant mothers generally includes lab testing and labor and delivery costs, and at least 60 days of care after delivery.
• Citizenship and immigration status: CHIP covers U.S. citizens and certain legal immigrants. States have the option of covering children and pregnant women who are lawfully residing in the United States. Undocumented immigrants aren’t eligible for CHIP.

Health insurance through CHIP is designed to be affordable for families.

Routine well child doctor visits are provided free of charge, but there may be co-payments for certain other services. Many states also charge a monthly premium for coverage. The costs you’ll be responsible for under CHIP are different in each state, but cannot be more than 5% of your family’s income each month.

To find information about children’s coverage programs in your state and other options available to you go to finder.healthcare.gov

The benefits covered through CHIP are different in each state, but all states are required to cover these services:

• Routine check-ups
• Immunizations
• Dental and vision care
• Inpatient and outpatient hospital care
• Laboratory and X-ray services

Source – healthcare.gov.

Merry Christmas from “Can Do Street”!

Dear Parents,

In the following video, the Food and Drug Administration strongly encourages parents and all caregivers to lock up medications to keep young children as well as teens safe.

Please watch this video and, if you do not already keep your medications under lock and key, please…start today.

All the best,

Jean

The following guest post is by Laura Sherman. Ms. Sherman wrote Chess Is Child’s Play with Bill Kilpatrick. Chess Is Child’s Play teaches any parent, of any skill level, to teach any child, of any age, to play chess. This book will be released April, 2012. www.laurasherman.com/books.

Imagine a world where people all have excellent problem solving skills, where they are patient and respectful of each other on a daily basis.  A society where citizens live for the future and plan long term, thinking of where their children’s children will be, following through, seeing each goal to its conclusion with ease.  Now add to that an indefinable quality of artistic imagination, dreaming for more than can be reasonably expected, reaching beyond the status quo.

Chess can teach our next generation all these skills and more!

I learned the game when I was young and to this day I see the world as a giant chess game where any barrier can be conquered and any victory can be achieved.  No goal is impossible and when I have a target in sight there is no stopping me.  The same glint I had in my eye when I faced an opponent at a chess tournament still exists today when I face a challenge, along with the insouciant grin that comes from the pure joy of the experience.

Intuitively most would agree that chess improves a student’s grades and ability to study.  Numerous studies have been done over the years throughout the world that show this to be the case.  IQ increases, reading test results improve as do math and science scores.  However there are so many other skills children pick up naturally from learning and becoming good at chess.

Imagination is a must in chess.  You cannot form strategies and tactical plans without being able to envision your goals.  It is impossible to win a game without first imagining the victory.  You are the one to make the pieces dance to the rhythm you choose.  Without the player the pieces just sit dormant on a dusty board.

A child’s self confidence soars as the victories pile up, especially when that child can routinely trounce adults.  Allow that child to teach other children or perhaps even the adults and he or she will master the game quickly.  Nothing helps someone learn faster than teaching others and nothing does more for one’s pride than to see someone improve under one’s tutelage.

In order to achieve a victory one must consistently play well throughout the game.  You can make forty excellent moves and one thoughtless blunder and lose the game instantly.  As a result you quickly learn to be thorough in your analysis and patient with your moves.  Imagine if we all applied this little lesson to our daily lives.  Thoughtless comments, heat of the moment bursts of anger, crimes of passion might just become things of the past to be studied as a part of a history lesson.

If every parent initiated regular family chess nights and if every school taught chess as part of their daily lesson plan imagine where our country could be. 

Children naturally are drawn to chess.  If you don’t believe me try an easy experiment.  Go to an area populated with children, put out a chess set and see what happens.  I promise you they will flock to the board and become immersed in a game.  We all have the power to fuel our children’s existing passion for learning and help our next generation soar.  Let’s make a difference!

We all know that staying alert is critical on long car trips but sometimes that’s easier said than done.

The driver needs to take breaks, walk around have a snack, if he or she is the only driver.  If there is a second driver, then they can switch on and off, giving each other a rest break.

Don’t start the car until everyone’s seat belt is fastened. Stop the car if a child undoes his seat belt or if children are distracting the driver by yelling or arguing.

Never leave children alone in a parked car, even one that is locked.

Keep a spare key in your purse or wallet – if your car doesn’t have remote locking, it can be easy to lock the keys in the car.

Remove everything from the dashboard and the back parcel ledge – even small things can fly off and injure your children if you have to stop suddenly.

Traveling at night so your children can sleep isn’t always a good idea, as it isn’t safe to let them lie down on the car seats without seat belts.

Make sure the sun doesn’t shine directly on babies or young children in the car. You can hang a piece of cloth from the closed window to provide shade, or buy sunshades to fit your car’s windows.

Try not to have too many things that children need to share. Sharing is hard at the best of times, and when children are tired it can be testing! Have a pillow and a blanket each, rather than one to share.

Sit in the back with your children for some of the time, if there’s room. This makes the trip much more enjoyable for them.

Be prepared for stops if a child feels sick or needs to go to the toilet. They usually can’t ‘hang on’ until the next town.

Source: Child and Youth Health