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We want to adopt our grandchild but are afraid we will lose his medical coverage. We cannot afford insurance and understand that relatives who adopt through the state get to keep medical coverage for their kids. Is there any way we can keep his medical coverage?

Last Updated: February 09, 2011

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The answer to this question depends on whether you have adopted your grandson or you just want to adopt him and have not completed the adoption. If you have not yet adopted him, your grandson may be eligible for TANF (Temporary Assistance to Families) benefits based on his income, not yours. These benefits include Medicaid, an insurance program that assists people with limited incomes who cannot afford medical insurance. If you have adopted him, he has become your child, and his medical benefits would generally come from your private insurance plan. Families who do not have private insurance but earn too much to qualify for Medicaid may qualify for CHIP (Children’s Health Insurance Program), which is available in most states. For you to qualify, your income must be within the income guidelines set each year, which are based on the size of the family. Check with the child welfare department in your state for other programs that might help, such as the Health Check/Early and Periodic Screening, Diagnosis and Treatment program and the Children with Special Health Care Needs program.

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