You may be able to get additional coverage for your grandchild through government health programs such as Medicaid or State Children’s Health Insurance Program (SCHIP). Typically in most states, your income will not be a factor when applying for a grandchild’s health benefits. Check with your state’s insurance department to get more details about qualification. Also, if you still work, find out whether your grandchild can be covered under your policy. Check your plan documents for specific eligibility details. Consider also contacting your human resources representative or insurance company for information. In most cases, you will need to provide proof of guardianship.