Funding

Many assistive devices are “low-tech,” that is, they may not be complex, electronic, or computer-operated items. These low-tech devices, such as reachers and jar openers, are usually fairly inexpensive and are sometimes available at drugstores, through local vendors or through catalog orders. “High-tech” items may cost more, and it’s good to know where you can turn for assistance to fund these devices and the assessment and training services that are often also required.

There are four state programs (Medicaid, QUEST, CHIP and QUEST-Net) and one federal program (Medicare), which may cover the costs of assistive technology. Eligibility may depend on income, assets and a complex web of other conditions. Private health insurance may also cover some expenses. The organizations listed below can help unscramble these requirements and overcome the initial challenge – which is often obtaining health care coverage in the first place.

Even if a person is eligible for one or more of these plans, coverage of assistive technology devices varies widely and may depend on whether the device is considered to be durable medical equipment or is prescribed or recommended by a physician as medically necessary. Assistive technology often can be medically necessary to prevent, correct, eliminate, or cure the effects of an illness, injury or disability or to assist individuals to maintain or improve their capacity to perform daily activities.

When assistive technology cannot be funded by insurance, a low-interest loan may be arranged through the Hawaii Assistive Technology (HAT) Loan Program.