Despite the availability of State Children's Health Insurance Program, families often fail to obtain coverage for eligible children because:
1. They believe their income is too high to qualify.
2. They do not see the importance of insurance coverage.
3. Families do not have adequate time to complete the enrollment process.
4. Parents do not value medical interventions for their children.
1
Rationale:
1. Despite availability of SCHIP, many eligible children are not enrolled. Reasons families have not enrolled include belief that their income is too high to qualify; they have obtained other insurance; they have difficulty with the application process and required documentation; and they lack skills in negotiating the system to get coverage.
2. Most families do value insurance coverage, so this is not the reason for failing to obtain SCHIP coverage.
3. Families have adequate time to complete the enrollment process, but some do not believe they will qualify, and so do not try to enroll.
4. Parents do value medical interventions for their children, but some do not believe they can qualify, believing that their income is too high.
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