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Children's Health Insurance Programs
You can download a chart comparing eligibility, benefits, and costs for QUEST and QExA with HMSA Children's Plan in PDF format by clicking here: Free and Low-Cost Health Insurance Programs for Children and Youths.
Hawaii State Department of Human Services QUEST and QExA are free health insurance programs for children and youths administered by Med-QUEST. To enroll, the child must:
- be 0 to 19 years old;
- live in Hawaii with intent to remain indefinitely;
- meet household income; and
- be a U.S. citizen, U.S. national, lawful permanent resident (have a "green card"), refugee, or citizen of the Marshall Islands, Federated States of Micronesia, or Palau.
Med-QUEST applications in typable PDF format are available in the Library of Forms section of our web site.
A complicated federal regulation requires the child be uninsured the month of the application if she or he qualifies for the CHIP portion of QUEST or QExA.
1. QUEST The program is free for children with a Family Income Level up to 300%. A child must not be in a public institution and not be certified blind or disabled. The managed care plans are AlohaCare, HMSA, and Kaiser.
2. QExA This program is for children who are certified by the state as blind or disabled. It is free for children with a Family Income Level up to 300%. The managed care plans are Evercare and Ohana.
HMSA Children's Plan It is an individual plan providing low-cost health insurance to children ages thirty-one days to nineteen years old who are ineligible for QUEST or Medicaid Fee-for-Service. It gives children basic health care benefits such as preventive services, immunizations, and doctor visits for free. Current cost is $71.50 per month per child. There are no citizenship or immigration status requirements. For more information call 948-5555 on Oahu or 1-800-620-4672 on the Neighbor Islands.
Pre-Existing Condition Health Insurance Plan in Hawaii Rather than establish a state plan, Hawaii joined the federal government's high-risk pool. CLICK HERE for information on eligibility and how to apply.
This link has additional details: Health Care Reform and Americans with Pre-Existing Conditions.
University Health Insurance Plans (Dependent Coverage for Students) The University of Hawaii and Chaminade University Student Plan are sponsored by HMSA and include prescription drug coverage. The rates per semester are approximately $1,739 for the student and one dependent and $2,457 for the student and two or more dependents. Summer 2007 costs are $1,159 for the student and one dependent and $1,638 for the student and two or more dependents.
Hawaii Pacific University offers health insurance through HMSA and Kaiser Permanente. The rates per semester for HMSA's comprehensive plan, including drug and vision coverage, are $2,025 for the student and one dependent and $2,966 for the student and two or more dependents. HMSA's basic plan, without drug and vision coverage, costs $1,206 for the student and one dependent and $1,793 for the student and two or more dependents per semester. The rates per semester for Kaiser's comprehensive plan, including drug and vision coverage, is $1,703 for the student and one dependent and $2,552 for the student and two or more dependents. Kaiser's basic plan, without drug and vision coverage, is $1,433 for the student and one dependent and $2,147 for the student and two or more dependents per semester.
BYU-Hawaii Student Health Plan costs per semester are $1,624 for a single student and dependent(s) and $2,432 for a married student and dependent(s).
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