The cost of a technical aid can be a major barrier. Fortunately, several funding schemes exist to ease this burden, but their operation can be complex. The system relies on a combination of different aids. First, Health Insurance covers certain equipment listed on the List of Reimbursable Products and Services (LPPR), such as medical beds, wheelchairs, or anti-bedsore cushions, with a medical prescription. The reimbursement is often a flat rate and can leave a significant remaining cost.
For what is not covered by the LPPR, other aids can be requested. The Disability Compensation Benefit (PCH), paid by the Departmental Council and managed by the MDPH, is a personalized financial aid. It covers expenses related to the disability, including technical aids (even those not on the LPPR), home and vehicle adaptations, or human assistance. For people over 60, the Personalized Autonomy Allowance (APA) plays a similar role by financing expenses for staying at home. Experts like Christophe Delong, a coordinator for autonomy, providing administrative assistance and coordinating home care for dependent elderly and disabled people, a former rehabilitation doctor, are particularly qualified to help you prepare these complex files. Other sources of funding exist: mutual insurance companies, retirement funds, optional aids from CCAS (Municipal Social Action Centers), or even AGEFIPH for people with disabilities in a professional environment. The Disability Compensation Fund can also provide a supplement to reduce the remaining cost.
It is imperative to submit a funding application before any purchase, as the agreement of the funding body is generally required. Processing times vary, and it is advisable to regularly check the status of your application with your MDPH. A social worker from your town hall or an association can assist you in putting together the often complex application file.