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Maryland Children’s Health Program

If you are a child under age 19 or a pregnant woman of any age in Maryland without health insurance, you may be able to qualify for the Maryland Children’s Health Program. This health insurance program offers qualified individuals, based on their income, coverage on a comprehensive set of medical services. From preventive care to the services necessary to deliver a healthy baby, MCHP provides care through Medicaid providers and Managed Care Organizations. Those who are eligible for MCHP will not have had any health coverage for the past six months, will not qualify for Medicaid, and meet certain income guidelines.

MCHP is the state Children’s Health Insurance Program (CHIP), offering Medicaid services to a larger audience of uninsured residents. In Maryland, this program has been active for nearly 15 years, and uses federal and state funds to keep the program in place. Once eligibility is proven, MCHP beneficiaries select an MCO through the HealthChoice program, the same organization used by Maryland Medical Assistance. Though incomes are higher than MMA in MHCP, members receive the same types of services, and some have to pay a monthly premium to do so.


MCHP Eligibility

Household income of any child or pregnant woman must be over the Maryland Medical Assistance limits in order to receive coverage through MCHP. Similar to MMA, those eligible must be residents of Maryland and either have been born in the U.S. or have legal documentation of residency. Children up to age 19 with a total family income less than or equal to 200 percent of the Federal Poverty Level and the Medicaid limit for their age group will be accepted for subsidized coverage. Children in families with incomes up to 300 percent of FPL may be accepted for MCHP Premium and pay a monthly fee.


  • Infants: 200 – 300% FPL
  • Children Ages 1-5: 185 – 300% FPL
  • Children Ages 6-19: 100 – 300% FPL
  • Pregnant Women: Up to 250% FPL


The following chart shows incomes accepted for the Pregnant Women/Maryland Children’s Health Program (PW/MCHP) track, which goes up to 200 percent of FPL for children, and 250 percent for pregnant women. Those who qualify for non-subsidized MCHP are not listed.


MCHP Premium

For those who qualify for the Maryland Children’s Health Program with incomes between 200 and 300 percent of the poverty line, a monthly fee is issued for coverage. Uninsured children under age 19 approved for this additional program can receive coverage either through their parent’s or guardian’s employer-sponsored coverage, or HealthChoice.

Maryland HealthChoice offers non-subsidized coverage through the MCHP Premium program will have incomes that do not exceed those listed below. This group will have to pay a monthly premium in order to receive MCHP benefits. Depending on your income group, you will pay either $50 for income between 200-250% FPL or $63 per month for income between 251-300% FPL.


250% FPL

Family of 1: $2,327 monthly, $27,925 yearly

Family of 2: $3,152 monthly, $37,825 yearly

Family of 3: $3,977 monthly, $47,725 yearly

Family of 4: $4,802 monthly, $57,625 yearly

Family of 5: $5,627 monthly, $67,525 yearly

Family of 6: $6,452 monthly, $77,425 yearly


300% FPL

Family of 1: $2,793 monthly, $33,510 yearly

Family of 2: $3,783 monthly, $45390 yearly

Family of 3: $4,773 monthly, $57,270 yearly

Family of 4: $5,763 monthly, $69,150 yearly

Family of 5: $6,753 monthly, $81,030 yearly

Family of 6: $7,743 monthly, $92,910 yearly



Covered Services

Benefits for children enrolled in MCHP vary from those available to pregnant women, unless a member becomes pregnant and then is eligible for that separate program. Pregnant women have access to more services than just maternity care, but it is more limited than the comprehensive coverage offered through full Medicaid or MCHP. Services can be received through the provider network of your chosen MCO, or a local health clinic.

Benefits for Children

  • Ambulance services
  • Emergency care
  • Preventative services
  • Physician office visits
  • Inpatient and outpatient hospital care
  • Immunizations
  • Lab work and testing
  • Dental care
  • Vision exams and eye glasses
  • Prescription medications
  • Transportation to medical appointments
  • Mental health care
  • Substance abuse treatment


Benefits for Pregnant Women

  • Prenatal and postnatal doctor’s office visits
  • Labor and delivery costs
  • Physician care not related to pregnancy
  • Laboratory and X-ray
  • Dental care
  • Vision care
  • Prescription medications, including vitamins
  • Medical transportation
  • Mental health care
  • Substance abuse treatment
  • Family planning services after delivery


Apply for MCHP

Applications for the Maryland Children’s Health Program can be obtained through your Local Department of Social Services; printed, filled out, and sent to your Local Department of Social Services office; or sent to you in the mail by calling your LDSS and asking for a form. Applications are also supplied by WIC Centers, Local Health Departments, as well as schools and hospitals in your area.

Print an application in English or Spanish by clicking the links on the left hand side of the MCHP home page.



Maryland Children’s Health Program

Contact the Department of Mental Hygiene: MCHP

800-456-8900 or 800-735-2258 (TDD)





1. Maryland Department of Mental Hygiene. “MCHP”. http://mmcp.dhmh.maryland.gov/chp/SitePages/Home.aspx.

2. Anne Arundel County Department of Health. “Medical Assistance for Families/Maryland Children’s Health Program (MCHP)”. http://www.aahealth.org/programs/uninsured/families/mchp.