How to pay for adaptive equipment and home modifications

How to pay for adaptive equipment and home modifications

Regarding acquiring adaptive equipment, a primary challenge is often cost. Adding something new to a fixed budget is challenging, and unfortunately insurance doesn’t cover most adaptive equipment. Learn more about why that is, here.

There are a few creative ways to pay for equipment. In this article, we'll talk about HSA/FSA cards, Care Credit and community programs


Health Savings Accounts


Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) offer individuals an opportunity to save pre-tax dollars specifically for healthcare-related expenses. One major advantage of these accounts is the ability to use HSA or FSA cards to pay for adaptive equipment. Whether it's a wheelchair, assistive technology, or any other adaptive device, HSA and FSA funds can be used to cover these necessary expenses as long as the seller is approved.

By using your HSA or FSA card, you can conveniently pay for adaptive equipment without having to worry about upfront costs or reimbursement processes. This enables you to access the essential tools needed right away while maximizing the benefits of their tax-advantaged accounts. Using an HSA or FSA card to cover costs at is a great way to get what you need.


Care Credit

Care Credit AskSAMIE

Care Credit is a healthcare credit card specifically designed to cover medical expenses, including adaptive equipment. With over 250,000 enrolled providers nationwide, Care Credit offers a convenient and flexible payment solution for individuals seeking adaptive equipment for their unique needs.


What are the Benefits of Using Care Credit?

1. Financial Accessibility:

One of the primary advantages of Care Credit is the financial accessibility it provides. Care Credit enables individuals to break down the cost into manageable monthly payments. This removes the need for large upfront payments, making it easier for individuals to obtain the adaptive equipment they require.

2. Wide Network of Providers:

Care Credit boasts an extensive network of enrolled providers, including medical professionals and equipment suppliers like us here at AskSAMIE. This vast network guarantees that individuals have access to a wide range of adaptive equipment options from trusted sources. Whether you require a wheelchair, prosthetic device, hearing aids, or other specialized equipment, Care Credit's network is likely to have a provider who can fulfill your needs.

3. Flexible Payment Plans:

Care Credit offers various payment plans to suit different financial situations. The options may be different for each place that accepts Care Credit. At AskSAMIE we have 3 options including one that eliminates interest payments if the balance is paid off within 6 months! These customizable plans enable individuals to find a payment structure that works best for their budget, without compromising their financial stability.

Does Checking Eligibility Impact Your Credit Score?

One common concern when applying for financing is the potential impact on one's credit score. Care Credit addresses this concern by allowing individuals to check their eligibility without any negative effect on their credit score. The qualification process involves a simple and quick application that you can complete online. By providing basic personal information, such as your income and employment details, Care Credit can assess your eligibility for the financing program. This preliminary qualification process allows individuals to explore their options without fear of harming their creditworthiness.

Care Credit is a game-changer regarding financing adaptive equipment. By providing financial accessibility, a broad network of providers, and flexible payment plans, Care Credit empowers individuals to obtain the adaptive equipment they need without compromising their financial well-being. Furthermore, the ability to check eligibility without impacting your credit score adds an extra layer of convenience and peace of mind. If you or a loved one requires adaptive equipment, consider leveraging the benefits of Care Credit to make the process easier and more attainable.


How to Tap into Local Community Programs for Home Modification and Repair Assistance

Community Foundation AskSAMIE

Regarding home modifications and minor repairs, local community programs can be a valuable resource for financial assistance. These programs are designed to support individuals and families who may be facing financial constraints but still require essential home modifications or repairs. Whether it's installing ramps, widening doorways, adding handrails, or addressing plumbing or electrical issues, there's likely a program that offers solutions to help you maintain a safe and comfortable living environment.

The trick is finding a program that meets your needs and that you qualify for. Even though it may take some time, it's worth exploring these programs in your area to see if you qualify and to take advantage of the assistance available to enhance your home's functionality and overall quality of life. The great thing is that we’ve made that easier for you! By creating a user account, you can access a nationwide search tool that helps you find assistance in your community.


Regarding financing adaptive equipment, home modifications, and minor repairs, individuals have a range of payment options to consider. From HSA/FSA cards to Care Credit to community programs, you can be creative in the way you try to fund what’s needed because there is nothing to say that you can’t use all three! By considering these three payment options, individuals can access the resources they need to enhance their quality of life, improve accessibility, and maintain a safe living environment. And if you need help working through your options, just email us at and we'll be happy to help!

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Brandy Archie, OTD, OTR/L, CLIPP

Dr. Archie received her doctorate in occupational therapy from Creighton University. She is a certified Living in Place Professional with past certifications in low vision therapy, brain injury and driving rehabilitation.  Dr. Archie has over 15 years of experience in home health and elder focused practice settings which led her to start AskSAMIE, a curated marketplace to make aging in place possible for anyone, anywhere! Answer some questions about the problems the person is having and then a personalized cart of adaptive equipment and resources is provided.

She's a wife, mother of 3 and a die-hard Kansas City Chiefs fan! Connect with her on Linked In or by email anytime.

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