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FAQ: Applying for OHP and FHIAP Q. What are the differences between FHIAP, OHP Standard and OHP Plus? A. FHIAP (we pronounce it “fee-op”) is a program that pays part of the premium charged to people enrolled in private health insurance. The Office of Private Health Partnerships (OPHP) administers this program. The amount FHIAP pays depends on the family income and number of family members. You can learn more by visiting the FHIAP Web site or by calling FHIAP at 1-888-564-9669. OHP Standard and OHP Plus are Medicaid benefit packages DHS administers. OHP Plus is a full benefit package provided to children and adults who are eligible for traditional Medicaid programs or for the Children's Health Insurance Program (CHIP). The OHP Plus benefit package does not have premiums. Some adults have small copayments for some outpatient services and prescription drugs. OHP Standard is a limited benefit package provided under a specific medical program. The program covers only a limited number of uninsured adults who are not eligible for traditional Medicaid programs. Most people who get OHP Standard pay monthly premiums. OHP Standard does not have copayments. Back to top Q. What choice do I have in source of coverage? A. You may apply for help to pay for private health insurance premiums through FHIAP. You may also apply for medical assistance (OHP Plus and Standard benefit packages) through DHS. However, you cannot get benefits from both programs at the same time. If you are eligible for the OHP Plus benefit package and are found eligible for FHIAP, you will have to choose the program you want. If you are eligible for the OHP Standard benefit package and are found eligible for FHIAP, you will not have a choice. Your OHP eligibility will end when the FHIAP payments begin. Back to top Q. Does access to employer-sponsored coverage affect my eligibility for OHP and FHIAP? If so, how? A. It depends. If you are receiving the OHP Plus benefit package and have access to employer-sponsored health coverage, you can choose to remain on OHP and not apply for FHIAP. If you apply and are found eligible for FHIAP, you will have to choose what program you want. You cannot get benefits from both programs at the same time. If you are receiving the OHP Standard benefit package and have access to employer-sponsored health coverage, you will be required to work with FHIAP. If you are found eligible for FHIAP, your OHP Standard benefits will end when the FHIAP payments begin as your employer coverage begins. Back to top
Q. How do I apply for OHP and FHIAP?
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