Funding Navigator
Know exactly how to pay for it.
Medicaid waivers, state AT programs, loan funds, vocational rehab, education pathways. We map every funding route in your state so you don't have to figure it out alone.
Commonwealth of
Pennsylvania
Complete guide to AT funding through ODP waivers, TechOWL, PATF loans, vocational rehab, and education pathways.
Consolidated Waiver$3,000/yr (new Jan 2026)
P/FDS WaiverSelf-directed, ~$41K annual budget
Community Living Waiver~$97K annual cap
TechOWLFree device lending, 1,500+ devices
PATF0–3.75% interest AT loans
OVREmployment-related AT
Education/IDEAFree through IEP
Read the full PA guide
State of
Maryland
Complete guide to AT funding through the DDA Community Pathways Waiver, MDTAP, DORS, self-directed services, and more.
Community Pathways Waiver$12,000/yr
Self-Directed ServicesBudget authority model
MDTAPFree lending, loans to $70K
DORSEmployment-related AT
Medicaid State PlanDME without waiver
Education/IDEAFree through IEP
Kennedy KriegerAT clinic evaluations
Read the full MD guide
PA vs MD: Quick Comparison
Key differences at a glance for families and providers in the border region.
| Pennsylvania | Maryland | |
|---|---|---|
| Primary IDD Waiver | Consolidated ($3K/yr AT cap) | Community Pathways ($12K/yr) |
| AT Assessment Required | For all waiver AT | Items $1,000+ only |
| Self-Directed Option | P/FDS Waiver (~$41K budget) | SDS (~3,968 participants) |
| State AT Program | TechOWL (1,500+ devices) | MDTAP (500+ devices) |
| AT Loan Program | PATF (0–3.75%, up to $60K) | MDTAP (up to $70K) |
| Variance/Exception | ODP variance process | 3 estimates to DDA |
| Budget Pressure | AT cap restructuring | $126M+ DDA cuts |
| Population Served | ~58,000 | ~19,100 |
More states coming soon. Need a guide for your state? Let us know.