When a loved one begins to need support at home—whether due to ageing, illness, injury or disability—families often find themselves juggling not just emotions, but finances too. Home Health Care offers a compassionate solution, allowing people to stay safe and independent in the comfort of their homes. But how do you pay for it?
Navigating the funding options for home-based care in Australia can feel overwhelming. That’s why we’ve created this simple guide to help families understand the choices available, from government subsidies to private solutions.
What is Home Health Care?
Before diving into costs, it’s helpful to define what these care services include. These can range from basic help with daily tasks like bathing, cooking, and mobility to specialised nursing care, dementia support, and rehabilitation after hospital stays.
The type of care your loved one needs will influence the funding options they may be eligible for.
1. Government Support: My Aged Care
If your loved one is 65 or older (or 50+ for Aboriginal and Torres Strait Islander people), they may be eligible for support under the My Aged Care system.
There are two key programmes:
- Commonwealth Home Support Programme (CHSP): Offers entry-level help with daily living—like cleaning, meals, and transport. This service is suitable for those who need just a little extra help at home.
- Home Care Packages (HCP): Designed for those with more complex or ongoing needs. There are four levels of funding, with Level 1 being the lowest and Level 4 offering the most support. Funding is provided directly to an approved care provider, who coordinates the services needed.
Our team at Home Care Assistance is an approved provider and can help you apply for and manage a Home Care Package tailored to your situation.
2. NDIS (National Disability Insurance Scheme)
If your loved one is under 65 and lives with a permanent disability that impacts daily life, they may qualify for funding through the NDIS. This can include in-home support, therapy, transport assistance, and equipment.
The application process can be a little complex, but the benefits are extensive. If you’re not sure whether NDIS is right for your situation, we’re happy to help guide you through the basics.
3. Department of Veterans’ Affairs (DVA)
For veterans and their dependents, the DVA offers in-home services such as personal care, domestic help, and community nursing. These supports are typically available to those with a Gold or White Card.
If your family member has served, it’s worth checking their eligibility. We work closely with families to ensure all entitlements are fully understood and accessed.
4. Private Funding Options
Not everyone qualifies for government assistance right away—or some may prefer the flexibility and immediacy of privately funded care.
At Home Care Assistance, we offer personalised, private in-home care services with no waiting lists. This is an ideal solution for short-term post-surgery care, respite, or when immediate support is needed while waiting for a government package to be approved.
We also offer a flexible, pay-as-you-go model, so you only pay for the care you need, when you need it.
5. Superannuation or Insurance Access
Some people may be able to access their superannuation early on compassionate grounds or use private health or life insurance to cover home care costs. It’s best to speak with a financial adviser or your super fund to explore these options.
6. Combining Funding Sources
In many cases, families combine different types of funding. For example, someone might begin with private care while waiting for a Home Care Package to be assigned, or top up their government-funded care with privately paid services for additional hours or specialised support.
Our expert care managers can help you develop a plan that makes the most of all available funding, with no pressure or hidden fees.
We’re Here to Help You Make Informed Decisions
Funding Home Health Care doesn’t need to be complicated. At Home Care Assistance, we help families across Australia understand their options, apply for funding, and get the care they need—without the stress.
Whether you’re just starting to explore your choices or you’re ready to put a care plan in place, we’re here for you.
Contact us for a friendly, obligation-free chat with our care team. Your peace of mind starts here.
