Home Care Packages are supported by a government subsidy designed to help older Australians affordably access the care services they need. They’re there for those who may need help with everyday tasks around the home or who need a bit of extra assistance with getting around.
What assistance can I use my package for?
The services and assistance you are able to receive will depend on the level of Home Care Package that you are eligible for. There are three main categories of services:
1. Meals and food services
Services designed to ensure you eat well and stay healthy - including meal delivery and assistance with food preparation.
2. Personal care services
Services designed to keep you well and connected to your local community - including assistance with bathing, medication and participation in community activities, in addition to nursing care.
3. At-home allied health / therapy services
Services to help you treat and monitor medical conditions in your home, for example Podiatry, Physiotherapy and Occupational Therapy.
What’s not included in my package?
There are some limitations and certain services that you cannot use your Home Care Package for, including:
- Items you would normally purchase using your general income
- Permanent accommodation, including mortgage payments
- Assets unrelated to your care needs
- Entertainment, like memberships to clubs or tickets to music or sporting events
- Travel and accommodation
- Gambling activity
- Services normally covered by Medicare or the Pharmaceutical Benefits Scheme
- Payment of other types of care funded by or partially funded by the government
Who provides Home Care Package services?
There are many providers throughout Australia. To find providers in your area, enter your State into our comparison tool.
How much will I get with my package?
If you’re eligible for a Home Care Package, then that means that the government is willing to subsidise the cost of your care through a provider of your choice.
Everyone’s needs are different and so there are four levels of Home Care Packages with different amounts of funding available. Package levels range from basic support needs through to high care. The package you are assigned will be based on an assessment of your needs.
Australian government contribution:
|Package Level||Care Needs and Funding|
|Level 1||Basic care needs - $9,179.75 a year||Level 2||Low care needs - $16,147.60 a year||Level 3||Intermediate care needs - $35,138.55 a year||Level 4||High care needs - $53,268.10 a year|
What costs are involved?
All Home Care Package providers charge different amounts for their services and care management.
Service providers must list their costs, however this can be very confusing and includes many variables:
1. Exit fees
Providers often charge discretionary entry and exit fees.
2. Service fees
Providers all provide different services and have the discretion to determine their own hourly rates.
3. Care management fees
Time spent managing and coordinating the care that you receive.
4. Package management fees
Administration fees charged for managing your package.
5. Other fees
Many providers will charge other additional fees for their services.
What do I need to pay?
Whilst the government contribution makes Home Care vastly more accessible and affordable, in most cases you will still need to contribute some funds towards the cost of your care. These costs are typically:
|Package Level||Your Contribution|
|Level 1||Basic care - $9.63 a day|
|Level 2||Low care - $10.19 a day|
|Level 3||Intermediate care - $10.48 a day|
|Level 4||High care - $10.75 a day|
These are the basic daily fees that some providers may ask you to pay (currently capped at $10.75 from 20 September 2020). They may also ask you to pay:
- Set up and care fees
- An income tested care fee
- Additional fees for services not covered by your Home Care Package
How do I tell which provider is right for me?
With so many different providers to choose from and so many different variable rates to compare, it can be hard to determine which option best fits your needs and budget. We’ve made it easy to weigh up your options and see which providers will deliver you the best value by normalising their fees so you can make a like-for-like comparison. This is the best way to make an informed decision based on the information and data available as it provides transparency and a full overview of the fee structure of different providers in your area.