This seems like a nice list of answers, but I need more information. I struggle with using technology to help me hear. For starts which of the above sites are used face to face in a room or group of people and which are used for a phone call? I read Mayo Clinic Connect and frequently don't understand the responses/solutions. I realize this is for quick, informed answers, but maybe responses could include references to more fundamental sites to get a reader up to speed.

I find Innocaption very useful for voice to text on my iPhone 13 either making or receiving a call. I saw an ad, and maybe an article, in HLAA magazine a year or so about it. You need to set up a call forwarding, but I was able to do it with no help and have used it successfully for many months.

It is free and federally funded. My impression is that because the government has traditionally funded captioning for land lines, but now needs to support cell phones. To me that says "free money" to whoever can offer the best solution, so there's a race for funding. Is this correct?

@sag