As mental health services become more mainstream the...

As mental health services become more mainstream the individuals seeking those services become more diverse. The need for culturally competent counselors is on the rise. The following will highlight a scenario in which I am morally opposed to homosexuality and find myself working with a client who discloses he is homosexual and is having problems in his romantic relationship with another man. How I would handle this situation, ways in which my own moral standards in the context of this therapeutic relationship would be maintained, ways in which my moral stance might impact therapy, ways in which disclosure of my moral values may come into play, and considerations for how to address clashes between my own values and client values in the†¦show more content†¦I find that I can work with the client, but will need to maintain my own moral standards at the same time. The first step to maintaining my own moral standards in the context of this therapeutic relationship is to first be aware of my feelings and opinions regarding my client’s sexual orientation. Once I am aware, I need to be accepting of my feelings and opinions. Acceptance does not suggest I am right and the client is wrong, but rather that I am comfortable with my values and accept them as they are. It is not wise to ignore or deny these feelings as they will likely come out in unexpected ways. Once I have become aware of and accepted my morals, next I need to identify if they are coming into play with this client in a negative way. If my morals are coming into play there are several ways this impact the therapy I am doing with this client. The ways in which impact can occur is through building rapport, maintaining a therapeutic alliance, through my approach including treatment planning and goals, through transference or countertransference, and by limiting my ability to help this client with their issue. Before 1973 the Diagnostic and Statistical Manual of Mental Disorders viewed homosexuality as a psychological disorder. This resulted in treatment plans that involved reorienting the individual to be heterosexual (Fontaine Hammond, 1996). Although this practice is no longer common and has been debunked many times a metaphorical wedge betweenShow MoreRelatedThomas J. Dodd Research Study Sample746 Words   |  3 Pagesundergraduate and graduate students between the ages of 18 and 25 years old. The undergraduate and graduate students from psychology and sociology classes at the University of Connecticut are recruited to participate in a self-report survey. 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Crime Examined Through Four Theoretical Perspectives Free Essays

Crime Examined through Four theoretical Perspectives Crime is defined as a breach of rules or laws that have been set by the government. Society has been given a set of rules that everyone who believes in good morals, follow. A crime would be anyone who has broken these set of laws for personal reasons such as greed. We will write a custom essay sample on Crime Examined Through Four Theoretical Perspectives or any similar topic only for you Order Now As of 2006, the crime rate of Toronto was 1,000 per 100,000. This has as shown a decrease since 2002. Crime has become an entity that is a part of society, without it, society would not function correctly. In the study of sociology, crime can be explained in four theoretical perspectives; Functionalism, conflict, interactionism, and feminism. Functionalism is a theoretical orientation which views society as a system of interdependent parts whose functions contribute to keep society alive and stable. Crime has been a part of society since the beginning and yet we have not done anything drastic to reduce or even remove it because it is needed for society to function normally. Crime has become the somewhat normal in society because of it creates employment opportunities for everyone. Law enforcement, lawyers and judges, security guards all have jobs built around the negativity of crime. People commit crimes for personal reasons such as to support family, themselves, and/or drug addictions. There are endless reasons to why people commit crimes. When a crime has been committed, it disrupts social by changing the normal function of society. The Conflict theory is a perspective that accentuates the social status, political, and discrimination in the social group. Society has a stereotypical view on those who commit a crime. Race and social status has played a large role in this discrimination. Crimes How to cite Crime Examined Through Four Theoretical Perspectives, Papers

Ritz-Carlton Hotels free essay sample

Making you Say Wow (Chapter 3 page 68-69) When you hear the name the Ritz-Carlton Hotels, what words come to your mind? Luxury? Elegance? Formal, or maybe even dull and boring? Very expensive? Three words that the company hopes come to mind are exemplary customer service. Ritz-Carlton is committed to treating its guests like royalty. It has very different corporate cultures in the hotel and lodging industry, and employees are referred to as â€Å"our ladies and gentleman. † Its motto is printed on a card that employees carry with them: â€Å"We are Ladies and Gentleman serving Ladies and Gentleman. And these ladies and gentleman of the Ritz have been trained in very detailed standards and specifications for treating customers. These standards were established more than a century ago by founders Caesar Ritz and August Escoffier. Ritz employees are continually schooled in company lore and company values. Every day at 15-minute â€Å"lineup† sessions at each hotel propoer ty, managers reinforce company values and review techniques. We will write a custom essay sample on Ritz-Carlton Hotels or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page And these values are the basis for all employee training and rewards. Nothing is left to chance when it comes to providing exemplary customer service. People looking to get a job in this hotel are tested both for cultural fit and for qualities associated with a real passion to serve customers. A company executive says, â€Å"The smile has to come naturally†. Although staff memebers are expected to be warm and caring, their behaviour towards guests had been extremely detailed and scripted. That is why a new customer service philosophy implemented in mid-2006 was so different from what the Ritz had been doing before 2006. The Company’s new approach is almost the opposite from what the company had been doing till 2006. Do not tell employees how to make guests happy. Now they are expected to figure it out. Says Diana Oreck, vice president, â€Å"We moved away from the heavily prescriptive, scripted appproach and toward managing to outcomes†. The outcome didn’t change, though. The goal is still a happy guest who’s really happy and delighted by the service received. Howevery, under the new approach, staff members interactions with guests are more natural, relaxed, rather than sounding like they are reading lines from a book.

Marketing Approaches of Nike and Li-Ning Essay Example

Marketing Approaches of Nike and Li-Ning Paper Introduction  Nike Target Market Mature marketing approaches bring companies considerable fortune, especially in such a competitive market. Therefore, marketing people play an essential role in planning, decision-making, market segmenting, targeting, pricing and positioning. In the following report, it will explore the marketing theory and practice of two products of two famous companies, the world’s largest sports goods company Nike and China’s popular sports brand Li-Ning. This report focuses on Nike’s basketball shoes and Li-Ning’s running shoes. Industry background 2008 Olympic Games took place in Beijing last month, meanwhile, the Olympic spirit is broadcasting everywhere across the world. Increasingly individuals attend sports activities in order to keep healthy. As a result, the sports product industry has developed rapidly over the last two decades. Besides Nike and Li-Ning, there are many competitors such as Reebok, Adidas, Fila and Converse. These companies are the dominant leaders in the marketplace and lead this industry. The sports goods industry expecially footwear manufacturing, is currently experiencing intensive competition. Nike is one of the industry leaders, â€Å"with a 47% market share, followed by Reebok with a figure at 16%, and Adidas at 6%† (Hays, 2000, P. 31). Li-Ning Company Limited is one of the leading sports brand enterprises in the PRC which is one of the most popular sports brand in the world. â€Å"It has covered more than 90% market share of the world’s largest market—China, almost every thirty seconds Li-Ning running shoes will be sold† (Hays, 2000, P. 35). We will write a custom essay sample on Marketing Approaches of Nike and Li-Ning specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Marketing Approaches of Nike and Li-Ning specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Marketing Approaches of Nike and Li-Ning specifically for you FOR ONLY $16.38 $13.9/page Hire Writer This category of running shoes is facing decreasing demand because there is the rising popularity of alternative footwear, resulting in more pressure than ever before to achieve high profit through effective global sourcing practices. Company background Nike company Nike, Inc. is the worlds leading sports and fitness company, â€Å"with 2000 sales of $9 billion. † The company has made a strong commitment to sustainability in both word and deed over the past several years. Three core values of the company are â€Å"honesty, competitiveness, and teamwork†. Despite its size, Nike operates with a minimum of hierarchy. As a result, there is a lot of collaboration and consensus decision-making. Commonly held values are imperative in such a matrix organization. (Nike Official, 2008). Nike has a strong ability of Research and Development, its new style is always fashionable in appearance and professional in function, for example, Nike dunks, Jordan shoes, Nike air force one. Nike has been manufacturing around the Asian region for over twenty-five years and there are over 500,000 people today who participate in the production of their products directly. Li-Ning company As described on Li-Ning company’s website (2008), LI-Ning Company Ltd. was founded in Guangdong Province in 1990 by LI-Ning who was a Chinese Olympic gymnast. It is one of the leading sports brand enterprises in the PRC. It has its own branding, research and development, design, manufacturing, distribution and retail capabilities. Li-Nings logo design is based on its own initial letters L and N. The Groups products include sports footwear, apparel and accessories for sport and leisure use which are primarily sold under its own Li-Ning brand (Li-Ning Company, 2008). The products of Li Ning sports goods continue to be more popular in China than those of foreign competitors. Strategic marketing and planning Most marketing organizations operate according to formal plans. Pride, Thiele, Waller, Elliott, Paladino Ferrell, (2007) claim that strategic planning is the process of establishing an organizational mission and formulating goals, corporate strategy, marketing objectives, marketing strategy and a marketing plan. Based on Nike Official (2008), the mission of Nike is to be a company that better than all others in the sports footwear industry. They hope to maintain their position by providing high quality and new fashion comfortable footwear to consumers of all ages and lifestyles. They promise to make their products easily available worldwide through the use of retail outlets and their company web site. Nike’s management believes that their success lies in the hands of our teammates, customers, shareholders and the communities in which they operate. Meanwhile, the vision of Nike is to remain the leader in the industry. They continue to produce quality products that they have provided in the past and meet the ever-changing needs of their customers, through product innovation. In comparison, the primary objective of Li-Ning is to increase its overall market share â€Å"from the current 17% to 20% in 3 years time† and defend its first place in China sportswear market against strong competition (Li-Ning Company). To achieve this goal, Li-Ning has to improve the customers’ brand recognition, rationalize market segments and the mission of Li-Ning is through sports, they â€Å"inspire people’s desire and power to make breakthroughs. † The vision is to be the worlds leading brand in the sports goods industry. Macroenvironmental factors The organization and its suppliers, marketing intermediaries, customers, competitors and publics all operate in a large macroenvironment of forces that shape opportunities and pose threats to the organization†. The macroenvironment consists of six major forces, they are â€Å"demographic forces, economic forces, natural forces, technological forces, political forces, cultural forces† (Kolter, et al, 2006, P. 81). Demographic environment Assessing the demographic environment entails observing and monitoring population trends. The demographic profile includes the size, age, density, location, sex, race, occupation and other statistics of the population (Shank, 1999). The changing age structure of the population is one of the important aspects. Figure 1 shows a diagram in which the ages and sexes for the Chinese population structure. As can be seen from the diagram, there is a large population at the age of 10-50 years old. (U. S. Census Bureau, International Date Base, 2001). The movement of population is also a problem that both of these two companies should consider. Economic environment The economic environment is another uncontrollable factor for sports marketers to consider. â€Å"The purchasing power depends on the income condition and the consumer spending patterns† (Shank, 1999, P. 78). As figure 1. 2 showed that, the world’ s economy has grown rapidly in the past twenty years, as a result, people’s living standard and income have increased as well. However, consumers’ spending patterns are more varied. That means the consumers have different need and tastes. These factors can be a threat to sports shoes companies. Cultural and social trends Cultural and social trends also influence the market of sports products. Nowadays sports and youthfulness are symbolic of many people’s core values. More and more people pay attention to sports activities (figure 1. 3). Sports activity seems to be growing in popularity as a result of the renewed emphasis on family values. As a result of this the market of sports wear becomes larger and larger, at the same time the sale of running shoes is increasing quickly (Li-Ning Company). Microenvironmental factors The micro environment consists of the forces close to the organization that affects its ability to serve its customers—the organization, suppliers, marketing intermediaries, customer markets competitors and various publics. † (Kolter, et al, 2006, P. 78) Suppliers The suppliers are an important link in the organisation’s overall customer ‘value delivery system’, they provide the resources needed by the organsiation to produce its goods and service. Nike and Li-Ning both chose developing countries the biggest supplier market because of the lower cost and huge amount of resources. As a company that wants to earn more profit, Nike reduces its costs as it also has some supplier market in South Africa where there is one of the cheapest labors force in the world. But at the same time Nike also is surrounded by some ethical issues. Competitors Competitor is one of the micro-environment factors need to consider. Davidson, Simon Gottschalk, Hunt, Wood and Griffin (2006) say that an organization that wants to be successful must have 3 distinct characteristics: They are of value to the customer They are better than that of the majority of other competitors They are difficult to imitate or replicate Nike and Li Ning have the same competitors such as Reebok, Adidas, Fila, Converse, and New Balance. All of them are playing an important part in the sports world. Kotler, et al(2006) define marketing intermediaries help company to promote, sell and distribute its products to final buyers. They include resellers, physical distribution firms, marketing service agencies and financial intermediaries. Nike maintains more than 100 countries targeting its primary market regions: United States, Europe, Asia Pacific, and the Americas. Furthermore, the public force expecially government policy is another component of microenvironment factors. Some policies are protecting domestic market such as Chinese government has made some policy to encourage Li-Ning which is Chinese brand. SWOT analysis SWOT analysis is a very useful and popular planning tools that product manager use to determine the situation of the product. Pride, Sellit, Rundle-Thiele, Waller, Paladino and Ferrell (2006, p. 34) describe a SWOT analysis can assist with the marketing planning process by addressing issues that need to be considered in the creating of the marketing plan. By recognizing an organization’s strengths and weaknesses, it is possible to match capabilities with external opportunities and threats and develop strategic to assist the organization to compete effectively in the market place. Market segmentation Market segmentation is dividing the while market into direct groups of buyers who might require separate products or marketing mixes, and also it’s the process of analysis is customers into groups depend on their different needs, behavior or characteristics. (Kotler et al. 2006,P231). Geographical segmentation Demographic segmentation Psychographic segmentation Behavioral segmentation The importance of market segmentation results from the fact that the buyers of a product or service are no homogenous group. Actually, every buyer has individual needs, preferences, resources and behaviors. Since it is virtually impossible to cater for every customers individual characteristics, marketers group customers to market segments by variables they have in common. These common characteristics allow developing a standardized marketing mix for all customers in this segment. For basketball shoes the most important factor should be considered is the demographic segmentation. Shilbury, Quick and Westerbeek (2003 P. 66) believe that â€Å"most important demographic determinants being gender, age, religion, income, occupation, level of education, marital status, geography, and stage in the family life cycle†. Although all demographic variables are important, the age and life cycle, gender and income have the greatest impact on sport consumption. Base on the age and life cycle and gender factors Nike divide their basketball shoes into a few different groups such as 15-24 years old children and 24 years old male and female. The main market is the group at age of 15-24. Li-Ning also uses the same way to divide its running shoes market. Income can divide market into a few different groups, Nike focus on the middle and above middle class meanwhile, Li-Ning focus on the middle. Psychographic segmentation dividing a market into groups based on social class, lifestyle or personality characteristic (Kotler, Adam, Brown, Armstrong). Socioeconomic classes have a strong effect on performance in clothing. people’s economic situation will affect product choice, it will have a strong influence on people consider buying an expensive new basketball shoes or running shoes or buy cheaper one or do not buy it. Because of this Nike and Li Ning usually set up their shop in big city or some rich town. Behavioral segmentation dividing a market into groups based on consumers’ knowledge of, attitude towards, uses for and responses to a product. In order to creative high loyalty both Nike and Li-Ning set some VIP card for their high loyalty consumers that offer some special discount and service. Target markets Trying to sell to everyone can be wasteful, as not everyone would demand. Targeting offers the possibility of reducing waste and maximizing market response. â€Å"Target market is a specific group of customers on whom an organization focuses its marketing efforts† (Pride, Thiele, Waller, Elliott, Paladino, Ferrell, 2007). The selection of the appropriate target market follows the process of segmentation. Because of its main target market is young people, Nikes primary starting point for expanding the market will select the youth. Also the consumers on the market have personality characteristics such as love sports, strong sense of revered hero and sports stars, lively thinking and imagination. Meanwhile, Li-Ning concentrates on its domestic market which proves efficiently. Because China has the largest population across the world different nations have different tastes. Moreover, Li-Ning is China’s own brand that protect by Chinese government and consumers. Targeting Strategy A number of strategies can help guide a manager’s choice of target markets. â€Å"Three of the more common of these are mass-market, niche-market, and growth-market strategies†(Walker, Boyd, 1999, P187). The marketing organization can adopt one of three market-coverage strategies: â€Å"undifferentiated marketing differentiated marketing or concentrated marketing† (Keith, 2000, PP398-399). Both Nike and Li-Ning use differentiated marketing strategy, because basketball shoes and running shoes can vary in design, both of these two products are in the mature stage f product life cycle, for basketball shoes and running shoes market their customers’ needs are different. These factors above are all suitable for they to use differentiated marketing strategy, but at the same time their main competitors also use the same strategy that will bring some challenges for Nike and Li Ning. Positioning Strategy Marketers can follow several positioning strategies. They can position their product on specific product attributes, usage occasions as well or the need they fill or the benefits they offer. â€Å"A product can also be positioned directly against a competitor. Finally, the product can be positioned for different product classes†(Kotler, et al. 2006,P234). There are a few way of positioning, in the book principles of marketing Kotler, et al. (2006, p234) write that â€Å"Company can position products on specific product attributes, products can be positioned on the needs they fill or the benefits they offer, products can be positioned on the certain classes of users, a product can also be positioned directly against a competitor, finally the product can be positioned for different product class†. Choosing and implementing a positioning should identify a positional direction. â€Å"The positioning task consists of three steps: identifying a set of possible competitive advantages on which to build a position; selecting the right competitive advantages; and effectively communicating and delivering the chosen position to the market† (Kolter, et al. 2006, P235) Compare with other basketball companies Nike’s competitive advantage is the high brand reputation, good design and advanced technology. So Nike’s positioning strategy mixed by all these strategies has been outlined above and it is dominated by the strategy position the product for certain classes of users and specific product attributes. Li-Ning’s competitive advantage is the cheaper price and good quality, it also use all of the five strategies, but it is dominated by the approach of positioned on the benefits they offer. Conclusion In conclusion, for Nike and Li Ning to gain a successful market in the sportswear world is not so simple. There are so many factors they should consider, such as the macroenvironmental and microenvironmental forces. It is a good choice to work out a wonderful SWOT analysis in order to assist in building a smart strategic marketing and planning. Identify the market segments and then chose the right target market, then implement suitable targeting and positioning strategy are also the essential steps for Nike and Li Ning. Recommendations Nike and Li-Ning have already done some good efforts of these a few aspects, but for long time successful there are more they need to do. From this report it is easy to find there are still some drawbacks in Nike and Li-Ning. Nike as a ‘big brother’ in the sports good market also face some ethic issues that may deduct the reputation of its brand, such as the issue of using cheaper labor force. In the sensitive circumstance in nowadays Nike should try to avoid this debate issue. Nike also should abroad its target market to achieve more market share. Li-Ning as a leader of Chinese sports goods company, it also need to explore more new products to gain a bigger market scale and develop new technology in order to catch up with the fast development of the world. References Blois, K. , (2000), The Oxford textbook of marketing, New York:Oxford University Press Davidson, P. , Simon, A. , Gottdchalk, L. , Hunt, J. , Wood, G. Griffin, R. W. (2006), Management: Core concepts and skills. (Australian ed). Australia: Wiley Hays, S. , (2000), The story of Nike, Minnesota: Smart Apple Media Kotler, P. Adam,S. Brown, L. Armstrong, G. (2006). Principles of marketing. Australia: Pearson Education Australia. Li-Ning Company. (2008). Retrieved from: http://www. lining. com. Accessed: 16th Mar. , 2008 Nike Official. (2008). Retrieved from: http://www. nike. com. tw/g1/tw/. Accessed: 1st Aug, 2008 National Bureau of Statistics of China. (2008) Retrieved from: http://www. stats. gov. cn/. Accessed: June, 2008 Pride, W. , Thiele, S. R. , Waller, D. , Elliott, G. , Paladino, A. , Ferrell, O. , (2007), Marketing (Asia-Pacific ed), Brisbane: Wiley Shank, M. D. , (1999), Sports marketing: A Strategic Perspective, New Jersey: Prentice Hall Shilbury, D. , Quick, S. , Westerbeek, H. (2003), Strategic sport marketing(2nd ed). NSW Australia: Allen And Unwin Walker, C. O. Boyd, W. H. (1999). Marketing Strategy: Planning and implementation. (3rd ed). United States: McGraw Hill

Getting More From Volunteer Experience Essay Sample

Getting More From Volunteer Experience Essay SampleVolunteering experience essay sample can be a perfect tool for you if you are looking to get some extra work or if you are simply starting to look for such opportunities. There are a lot of students who will try to come up with the best means to go about finding different volunteer jobs and one of the best ways is to study the experiences of others who are already working. Here are some of the benefits that you can get out of reading volunteer experience essay sample.There is no doubt that volunteering can give you plenty of benefits and this is especially true if you are going to get the right kind of experience in the right place. But, what you need to know is that not all volunteer experiences are created equal. If you do your homework properly, you will get the chance to choose a different type of volunteer work that you really want to do. This is especially true if you know how to read some volunteering experience essay sample.T he good news is that there are already volunteers who have already found the type of work that they really wanted to do. So, all you need to do is to simply try your luck and see what works for you. You will be able to narrow down the kinds of volunteer work that you would like to do.You can find some really big companies that can offer volunteering experiences but most of the times you have to look in the right places. The best way to find out which organization has volunteer opportunities in the right place is to look at some volunteering experience essay sample. Many organizations are using volunteer experience essay sample as their guide for organizing the volunteer job fairs that they organize.Some people may find it hard to do the volunteer work because of the lack of experience. But, the truth is that you will be able to get more experienced once you start to read the volunteer experience essay sample that other people have written. So, you may consider it a way to develop yo ur skills for writing.One of the most important things that you should be aware of is that every experience that you will have with volunteers will determine whether or not you will get a good volunteer job or not. You will need to do your research before you get started in the volunteer work. You need to know the kind of experience that is available in the specific organization that you are joining. You also need to understand how the organization functions and how it can provide you with the experience that you want.As mentioned above, volunteering experience essay sample can be very helpful. It is always a great idea to compare different experiences that are available to you and decide which one you prefer. When you choose to take up a certain volunteer work that you are truly interested in you will not only be able to get more experience but you will also be able to make good friends that you can rely on in times of need.Before you get started in the volunteer work, you need to read the experiences of other people who have already gone through the same thing. After all, these experiences will help you get a better idea of what exactly you will be getting into. By doing so you will be able to start your volunteer work a little later on and will be able to avoid putting yourself in a position where you will regret the decision later on.

The Typical Diet of a Polar Bear

The Typical Diet of a Polar Bear Polar bears are often common in the mainstream media and get a lot of attention due to their threatened populations. In addition to questions about their habitat, you may wonder what they eat? Polar bears are one of the largest bear species (many sources say they are the largest). They can grow anywhere from 8 feet to 11 feet in height and about 8 feet in length. Polar bears weigh about 500 to 1,700 pounds, and they live the cold Arctic- in parts of Alaska, Canada, Denmark/Greenland, Norway, and Russia. They are large  marine mammals  with a varied appetite. Diet   The preferred prey for polar bears are seals- the species they prey upon most often are ringed seals and bearded seals, two species that are members of the group of seals known as ice seals. They are known as ice seals because they need ice for giving birth, nursing, resting, and finding prey. Ringed seals are one of the most common seal species in the Arctic. They are a small seal that grows to about 5 feet in length and about 150 pounds in weight. They live on top of, and underneath the ice, and use claws on their front flippers to dig breathing holes in the ice. A polar bear will patiently wait for the seal to surface to breathe or climb onto the ice, and then it will swat it with its claws or pounce on it. The polar bear feeds primarily on the seals skin and blubber, leaving the meat and carcass for scavengers. According to the Alaska Department of Fish and Game, a polar bear may kill a ringed seal every two to six days. Bearded seals are larger, and grow from 7 feet to 8 feet in length. They weigh 575 to 800 pounds. Polar bears are their main predator. Unlike the more open breathing holes of ringed seals, the breathing holes of bearded seals are capped with ice, which may make them less easy to detect. If their preferred prey isnt available, polar bears will feed on walruses, whale carcasses, or even garbage if they live near humans. Polar bears have a strong sense of smell, which comes in handy for finding prey, even from long distances- and even in cold weather. Predators Do polar bears have predators? Polar bear predators include killer whales (orcas), possibly sharks  and humans. Polar bear cubs may be killed by smaller animals, such as wolves, and other polar bears. References: Alaska Department of Fish and Game. Ringed Seal Species Profile.National Marine Mammal Laboratory. Bearded Seal.Neuberger, A., et. al. Animal Diversity Web. Bearded Seal.

Requisitos seguro mdico CHIP de bajo costo para nios

Requisitos seguro mdico CHIP de bajo costo para nios El Programa de Seguro de Salud para Nià ±os (CHIP, por sus siglas en inglà ©s) es un seguro mà ©dico gratis o a bajo coste para nià ±os y adolescentes  cuyos ingresos familiares les impiden calificar para Medicaid por ser demasiado altos, pero carecen de medios econà ³micos para comprar un seguro mà ©dico adecuado. Recordar que por la ley ACA, que se conoce popularmente como Obamacare  se puede estar obligado a tener seguro mà ©dico y, si no se tiene, puede haber multas. Chip es una opcià ³n para cumplir con ese requisito cuando la compra de un seguro mà ©dico privado para cubrir a los nià ±os resulta muy caro para las familias.   Adems, en algunos estados tambià ©n permite el acceso a embarazadas. Cul es el requisito de edad para obtener CHIP Hay variaciones importantes entre estados, ya que cada uno establece sus reglas. Sin embargo, la regla general ms comà ºn es que la cobertura se extiende a los menores de 19 aà ±os de edad. Adems, algunos estados incluyen la  cobertura de embarazadas sin importar su edad. Quià ©nes califican para CHIP segà ºn estatus migratorio Obviamente, califican los ciudadanos americanos. Pero para todos los que no lo son hay una divisià ³n entre los que califican y los que no. Califican Los  nià ±os y adolescentes  residentes permanentes legales que han cumplido cinco aà ±os con ese estatus, a menos que residan un estado que paga con su propio dinero el acceso a CHIP para estos inmigrantes y/o han aceptado dinero federal para expandir programas ya existentes.   En la actualidad los siguientes estados brindan CHIP a nià ±os sin tener que satisfacer el requisito de los 5 aà ±os de residencia permanente legal: California, Colorado, Connecticut, Delaware, Florida,Hawaii, Illinois, Iowa,  Kentucky, Maine, Maryland, Minnesota, Montana,Nebraska,  New Mexico, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island,  Texas, Utah, Virginia, Washington, West Virginia y Wisconsin. Y tambià ©n Washington D.F. Asimismo, se exceptà ºan de esta regla de los cinco aà ±os los residentes que obtuvieron su green card por motivos humanitarios y los que sirven o han servido con honor en el Ejà ©rcito de Estados Unidos. En Tambià ©n califican los refugiados, asilados y otros migrantes humanitarios y, en  algunos estados, tambià ©n califican los migrantes en estatus PRUCOL.   No califican Los residentes permanentes cuya green card tiene menos de 5 aà ±os, excepto en los estados que sà ­ estn amparados.Los turistasLos estudiantesLas personas con otras visas no inmigrantes, como de inversià ³n, intercambio o trabajoLos migrantes indocumentados Otros requisitos para CHIP En cada estado se pedir cumplir con ciertos niveles de ingresos. Tambià ©n se mira la composicià ³n de la familia y, en algunos estados, se piden requerimientos de historial laboral o incluso un periodo de tiempo sin cobertura mà ©dica. Uno de los requisitos es el de ingresos econà ³micos. En este punto hay grandes diferencias entre estados pero por regla general puede decirse que: Para el caso de nià ±os y adolescentes la mayorà ­a de los estados piden ingresos inferiores al 200 por cien de lo seà ±alado cada aà ±o por el gobierno como là ­nea de la pobreza. Hay estados que cubren con ingresos inferiores al 300 por ciento e incluso los que brindan beneficios con ingresos ms altos.Para el caso de las embarazadas, por regla general se pide tener ingresos no superiores al 185 por ciento de la là ­nea de la pobreza.   En la mayorà ­a de lo casos la persona a cargo del caso verificar electrà ³nicamente que se cumplen los requisitos, por ejemplo, el nivel de ingresos. Sin embargo hay una excepcià ³n a esta regla y es que se deber presentar prueba documental de que se cumplen los requisitos migratorios. Quà © beneficios pueden disfrutarse con CHIP Los nià ±os y adolescentes que cuenten con una tarjeta CHIP podrn gozar de atenciones mà ©dicas que varà ­an de estado a estado. Pero en general suelen estar incluidas las visitas regulares al mà ©dico, gastos de hospital, vacunas, anlisis de laboratorio, limpieza y empastes dentales y revisià ³n de la vista y espejuelos. Tambià ©n se incluyen los medicamentos dados con prescripcià ³n del doctor. Adems de las variaciones en cobertura mà ©dica que se producen entre los estados puede ocurrir que, dentro de un mismo estado, los nià ±os tengan diferentes seguros mà ©dicos. La tarjeta de los menores contiene el nombre de la compaà ±Ãƒ ­a proveedora de seguro y su nà ºmero de telà ©fono, para poder asà ­ saber con exactitud quà © cobertura tiene cada nià ±o. Con esos datos tambià ©n es posible averiguar quà © mà ©dicos aceptan ese seguro mà ©dico en la zona de residencia del chico. Quià ©nes pueden solicitar CHIP para los nià ±os y adolescentes Sus padres, tutores legales, abuelos o incluso hermanos mayores de edad, siempre y cuanto vivan con el menor al menos seis meses dentro del plazo de un aà ±o. En determinados casos los menores pueden aplicar directamente, como por ejemplo, cuando vivan solos. Aportacià ³n econà ³micade la familia para CHIP Las aportaciones familiares para colaborar con los gastos de este programa varà ­an segà ºn el estado de residencia,  de los recursos  econà ³micos y nà ºmero de miembros de la familia. Es muy comà ºn que haya que pagar una cantidad reducida en concepto de inscripcià ³n inicial.  Por ejemplo, en la actualidad en el estado de Texas el importe mximo que se abona es de 50 dà ³lares. Adems es posible que haya que abonar un co-pago cada vez que se utiliza el servicio. La cantidad varà ­a enormemente y puede ir desde los $2 a los $30. Tambià ©n es posible que resulte totalmente gratis. En todo caso nunca pasar del 5 por ciento de los ingresos familiares por aà ±o. Asimismo, ciertos servicios son siempre gratuitos, como por ejemplo, las vacunas. Cà ³mo verificar si se cualifica y aplicar De 4  maneras es posible verificar y, en su caso aplicar, para CHIP. En primer lugar eligiendo estado en el que se vive en la pgina federal oficial de Medicaid. Se puede hacer haciendo bajar la flechita hasta encontrar el estado o haciendo click en el mapa. Se abrir una pgina nueva con informacià ³n adicional, incluidos requisitos y cà ³mo aplicar. En segundo lugar, ingresando por internet a la pgina de Medicaid de cada estado En tercer lugar, en la pgina del Marketplace para seguros. En este caso, elegir estado introduciendo l zip code y hacer click en continuar. Despuà ©s elegir si se quiere una verificacià ³n de que se cumplen los requisitos o, si se sabe que sà ­, se puede proceder a aplicar. Y, en cuarto lugar, tambià ©n es posible realizar esta gestià ³n marcando gratuitamente al 1-800-318-2596. Quà © estados brindan mayor asistencia con CHIP En realidad 40 estados ms Washington D.C. de alguna forma han extendido el programa CHIP a ms inmigrantes que los que prevà © la ley federal, aunque hay muchas variaciones entre estados. Por ejemplo, en Massachusetts todos los nià ±os que cumplen los otros requisitos pueden tener acceso a CHIP, incluidos los indocumentados. Lo  mismo sucede en Illinois donde ms de 1.5 millones de nià ±os reciben beneficios a travà ©s del programa All Kids, que es como se le conoce en ese estado. Por otro lado, MinnesotaCare brinda cobertura a los residentes permanentes menores de 21 aà ±os y no pide entre sus requisitos que se haya cumplido 5 aà ±os como residente. Adems, en California los muchachos con DACA aprobado menores de 21 aà ±os pueden tener acceso a Medi-Cal, si cumplen los otros requisitos. En el caso de ciegos o incapacitados no hay là ­mite de edad.   Esto significa que 10 estados sà ³lo cubren los casos bsicos. Estos son: Alabama, Carolina del Sur, Dakota del Norte, Dakota del Sur, Florida, Idaho, Indiana, Kansas, Mississippi y Missouri. Cà ³mo se le llama a CHIP en cada estado En cada estado este programa, que tiene fondos federales y estatales, recibe su propio nombre. Este es el listado Alabama: Alabama ALL kidsAlaska: Denali KidsCareArizona:  AHCCCS-KidsCareArkansas:  Arkansas Department of Human ServicesCalifornia: Healthy FamiliesColorado:  Child Health Plan Plus (CHP)Connecticut:  HUSKY ProgramDelaware:  Delaware Healthy Children ProgramFlorida:  Florida KidCareGeorgia:  Georgia PeachCare for KidsHawaii:  Med-QUEST DivisionIdaho:  Idaho CHIPIllinois:  Illinois All KidsIndiana:  Hoosier HealthwiseIowa:  Hawk-IKansas:  KanCare programKentucky:  Kentucky Childrens Health Insurance Program (KCHIP)Louisiana:  LaCHIPMaine:  CubCareMaryland:  Maryland Children’s Health Program (MCHIP)Massachusetts:  MassHealthMichigan:  MIChildMinnesota:  MinnesotaCareMississippi:  Health BenefitsMissouri:  MO HealthNetMontana:  Healthy Montana Kids PlusNebraska:  CHIPNevada:  Check UpNew Hampshire: CHIPNew Jersey:  FamilyCareNew Mexico:  New Mexi-KidsNew York:  Child Health PlusNorth Carolina:  Health ChoiceNorth Dakota: CHIPOhio:  Healthy FamiliesOklahoma:  SoonerCarePennsylvania: CHIPRhode Island:  Rite CareSouth Carolina:  Healthy Connections South Dakota: CHIPTennessee:  CoverKidsTexas: CHIPUtah: CHIPVermont:  Dr DynasaurVirginia:  FAMISWashington: CHIPWashington D.C.: CHIPWest Virginia: CHIPWisconsin:  BadgerCare PlusWyoming:  Kid Care CHIP Beneficiados por CHIP En la actualidad ms de ocho millones de nià ±os y adolescentes  gozan de cobertura mà ©dica a travà ©s de CHIP, lo que representa un costo de ms de $13 billones. Aunque tanto los estados como el gobierno federal contribuyen con fondos, es mayor la proporcià ³n del gobierno de los Estados Unidos. Por estados, California es, con 1,731,605 menores en este programa, el estado con ms beneficiados, seguido por Texas y Nueva York. Recursos prcticos Algunos estados brindan este tipo de proteccià ³n a travà ©s de una versià ³n extendida de Medicaid. Es el caso de Alaska, Hawaii, Carolina del Sur, Maryland, Vermont, Ohio, Nuevo Hampshire y Nuevo Mà ©xico, adems de Washington D.C. y el territorio de Puerto Rico.  Es importante informarse y que los asistentes sociales indiquen cul es la asistencia disponible segà ºn el caso. Se puede solicitar el ingreso en el programa CHIP en cualquier momento del aà ±o, si bien algunos estados piden que se lleve un tiempo determinado sin cobertura mà ©dica. Y, finalmente, estos son otros recursos a los que se podrà ­a tener derecho: cupones de alimentos tambià ©n conocido como SNAP, Medicaid, Wic para embarazadas e infantes, School Lunch o TANF, que es un programa de asistencia temporal a familias en situacià ³n de necesidad. Cuando se aplica por Medicaid o por CHIP se informa si se puede aplicar por otro programa de asistencia social. Este es un artà ­culo informativo. No es asesorà ­a legal.