Funding Assistive Technology

Paying for assistive technology (AT) can feel overwhelming, but many different pathways exist to help cover the cost of devices, software, evaluations, training, and repairs. This page is a general educational overview of the most common funding sources. It is not legal, financial, or benefits advice. Programs, eligibility rules, covered devices, and application steps vary widely by country, state, insurer, school district, and individual circumstances, and they change over time. Always confirm current details directly with the specific program before making decisions.

Common Funding Pathways

Schools (IDEA / special education). For students who qualify, public schools may provide assistive technology needed for a free appropriate public education. AT can be written into an IEP or 504 plan, and devices are typically owned by the school. Ask the IEP/504 team about an AT assessment.

State AT Act programs. Every U.S. state and territory has a federally funded Assistive Technology Act program. These programs often offer device demonstrations, short-term device loans, reuse/exchange programs, and information about state-specific funding. They are a good first stop for local guidance.

AT loan libraries / device lending. Many AT Act programs, disability organizations, and libraries let you borrow devices to try before you buy. Trying a device in real settings can prevent costly mismatches.

Medicaid and private insurance. Some AT that qualifies as durable medical equipment (DME)  such as certain wheelchairs or speech-generating devices  may be covered when documented as medically necessary. Coverage, prior authorization, and documentation requirements differ by plan and state. Coverage is never guaranteed and depends on individual medical need and plan rules.

Vocational rehabilitation. State vocational rehabilitation (VR) agencies may fund AT that helps an eligible individual prepare for, obtain, or keep employment. Related vocational services are covered separately within the Accessibility Clinic ecosystem.

Veterans resources. Veterans may be able to access AT, prosthetics, and related services through veterans health and benefits programs. Eligibility and covered items vary by program and service history.

Nonprofit and charitable resources. Disability-specific nonprofits, service clubs, and foundations sometimes provide devices, grants, or financial assistance. Availability varies by region and diagnosis.

Grants. Some foundations and manufacturers offer grants or scholarships for specific devices or populations. Application windows and criteria vary.

Manufacturer assistance programs. Certain manufacturers offer payment plans, financial hardship programs, trade-in or upgrade options, or funding guidance for their own products. Details are set by each company.

Private funding. Options can include personal payment plans, crowdfunding, Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA) where applicable, and ABLE accounts. Tax and account rules vary; consult a qualified professional.

Tips for a Strong Funding Request

Start with an assessment so the request is tied to documented needs and goals. Get the right paperwork, which often includes an evaluation, a letter of medical necessity, or an IEP. Keep copies of everything you submit. Ask about appeals if a request is denied, since denials can sometimes be overturned with additional documentation. Combining sources is common, for example insurance for a device plus a nonprofit grant for accessories.

Important Note

Listing a funding source here is educational and does not guarantee that you or a specific device will qualify. No outcome is promised. Eligibility and coverage are decided by each program based on its own current rules and your individual situation.

Related Resources

For general guidance on choosing the right device before you apply for funding, see our AT Assessment & Selection resource. For an overview of the field, see Assistive Technology 101. For a directory of state AT programs, device loan libraries, and other funding-related resources, see the Resource Directory. For individualized help from the nonprofit, visit AccessibilityClinic.org.