Posted: November 30, 2017 at 12:36 am

By: Al-Rasheed Benton, Phil Poling and Molly Wroblewski

When Bella Ross was in third grade she was bitten on the ankle by a spider. Within hours, her leg had swollen to the size of a balloon and the 12-year-old from Fairmont was in considerable pain.

“I woke up and the swelling was all the way up my leg,” Bella recalls.

Her mother, Lauren Ross, rushed Bella to the hospital in the middle of the night. As doctors soon discovered, she was highly allergic to the venom of the spider, causing a bacterial infection that, if left untreated, could have killed her. The doctors put Bella on a course of antibiotics, successfully treating the infection.

Bella Ross was lucky. She is one of 21,000 children in West Virginia who have health insurance thanks to the Children’s Health Insurance Program (CHIP), a federally funded program that provides insurance for children in low-income families that make too much to qualify for Medicaid. As a single mother, Lauren Ross works full-time at a MVB Bank in Fairmont, but doesn’t make enough money to buy health insurance for her child.

This fall, the U.S. Congress failed to reauthorize the CHIP program for the first time since it was launched in 1997. As a result, up to 21,000 children in West Virginia may lose their health insurance early next year.

Since the Children’s Health Insurance Program (CHIP) was launched in 1997, the rate of uninsured children in low-income families has decreased each year. Source: Huffington Post

The West Virginia CHIP program is already not allowing new applicants to enroll in the program. According to the Washington Post, children in six other states face losing CHIP health coverage by the end of this year.

“Each day [CHIP] goes unauthorized is another day that families and children who rely on it for their healthcare coverage have to live with uncertainty,” says Lisa Costello, a pediatrician at WVU’s Children’s Hospital who treats children insured under CHIP.

In early November, the U.S. House of Representatives passed a CHIP reauthorization bill, but it included a provision that would require the raising of taxes or money from other healthcare programs to be used to fund CHIP; the Senate has yet to pass a comparable bill. If it doesn’t, Congressional staffers say they hope the CHIP program will be refunded under an all-inclusive spending bill that must be passed by late December to avert a government shutdown.

“[West Virginia] may need to start taking administrative action to wind down the program soon if funding isn’t guaranteed,” says Kate Cassling, legislative assistant to Sen. Joe Manchin (D-West Virginia). “Obviously C

A family of four must earn below $60,750 each year to qualify for the Children’s Health Insurance Program, while a family of eight can earn up to $102,225. Credit: CHIP-WV

ongress needs to act soon.”

If the CHIP program is not reauthorized, West Virginia will be especially hard-hit because the program is now 100 percent federally funded. That’s because so many people in the state fall below the national poverty line, and the Affordable Care Act, also know as Obamacare, increased financing for the program.

West Virginia lawmakers have made the decision to end the CHIP program by February 28 of next year if Congress does not extend its financing.

Lauren Ross says she is extremely grateful for the health coverage CHIP provides her daughter.

“Having the CHIP program means I don’t have to panic when something is wrong with my child.  I know that she’s gonna get the care she needs,” Ross says. “When your child is sick, it is the worst feeling in the world.”

Adding Bella to her health care plan (if she can no longer be covered by CHIP) would cost Ross an additional $170 out of her bi-weekly pay.

“For someone with one income, that’s a good chunk of my check,” says Ross. “[If we lose the CHIP funding] I don’t know what we’re gonna do”