Your Home Care Funding Guide

Understand how Home Care funding works and get the support you need
 Home Care in Australia can be affordable with the right guidance. Whether you’re exploring options for yourself or a loved one, our simple guide will help you understand what funding is available, how to access it, and how to make the most of your Home Care Package.

At My Care Options, we’re here to make aged care easier — without confusion or stress.

What is Home Care funding?

Home Care funding is financial support provided by the Australian Government to help older Australians remain living independently in their own homes for longer. Instead of moving to a care facility, eligible individuals can receive assistance for services like cleaning, personal care, transport, meals, and more.

The most common source of support is the Home Care Package (HCP) program, administered through My Aged Care.

Types of Home Care Funding Available in Australia:

1. Commonwealth Home Support Programme (CHSP)

For seniors who only need one or two basic services to remain at home. CHSP is ideal for short-term or occasional help like house cleaning or transport.

2. Home Care Packages (HCP)

For those with ongoing or complex care needs. There are four levels of HCP funding, each designed to match the level of support required:

• Level 1: Basic care needs
• Level 2: Low care needs
• Level 3: Intermediate care needs
• Level 4: High-level care needs

Each level comes with an allocated budget, which is used to pay for the care and services you choose, delivered by your selected provider.

3. Private Funding

You may choose to pay for additional services privately if your package doesn’t cover everything you need — or while you wait for funding approval.

How to Apply for a Home Care Package

1. Register with My Aged Care(by phone or online)
2. Get assessed by the Aged Care Assessment Team (ACAT)
3. Receive your approval letter and funding level
4. Wait for package assignment (there may be a queue)
5. Choose your Home Care provider
6. Start receiving care tailored to your needs

💡 Tip: You don’t have to wait alone. My Care Options can guide you at every step — and help you find the right provider when your package is ready.

What Costs Are Involved?

While government funding covers a large portion of your care, there may be some out-of-pocket costs:

• Basic daily fee– may be charged by your provider (though many waive it)
• Income-tested care fee– based on your income assessment
• Additional service fees– if you choose extra services beyond your package

We help you find providers who are transparent with pricing — and ensure you’re getting real value for money.

Maximising Your Package Value

Make your package work harder for you with smart choices:

• Compare multiple providers
• Choose services that match your lifestyle and goals
• Avoid unnecessary charges
• Review and adjust your Care Plan as your needs change

📞 Need help navigating your options? Our friendly team is just a call away.

Why Use My Care Options?

We help you simplify aged care decisions with:

• Expert matching support – Personalised recommendations based on your needs
• Trusted providers only – We work with high-quality, vetted providers
• Free, no-obligation guidance – We make it easy to get started

Find the right care provider for your needs

Let’s make Home Care funding work for you

Whether you’re just getting started or looking to switch providers, understanding your funding options can make all the difference. Let My Care Options help you make confident choices.