Welcome to Mycareoptions elderly home services
Understanding the cost of Home Care Packages in Australia can feel overwhelming. With different fees, government subsidies, and provider charges to consider, it’s important to know what you’re paying for — and what support is available to help cover the cost.
This guide breaks it down clearly so you can make informed choices about your care without unexpected surprises.
A Home Care Package (HCP) is a government-subsidised support program designed to help older Australians live independently in their own homes for as long as possible. Based on your needs, you’re assigned a package level that includes a yearly budget for essential services like personal care, cleaning, nursing, meal preparation, and transport.
You get to choose a registered provider who will manage your care and deliver the services using the funds allocated by the government.
While much of the cost is covered by the government, there are some standard fees that may apply depending on your income and the provider you choose. Here’s a breakdown:
This is a contribution set by the government but currently not enforced. Most providers — including My Care Options — choose not to charge this fee.
If you’re a part-pensioner or self-funded retiree, you may be asked to contribute more toward your care. The exact amount depends on your income and is determined through an income assessment by Services Australia.
Note: Full pensioners generally do not have to pay this fee.
The Australian Government sets caps on how much you can be asked to pay. Providers are also required to give you a clear breakdown of their fees in a Home Care Agreement before services begin.
Package Level | Max Daily Fee | Yearly Cap |
Level 1 | $11.02 | $4,192.53 |
Level 2 | $11.66 | $4,192.53 |
Level 3 | $11.66 | $10,785.30 |
Level 4 | $12.53 | $10,785.30 |
While many providers keep their fees competitive, it’s important to ask questions and compare providers. Here are some common charges to look for:
Covers the planning, coordination, and ongoing adjustment of your care. Providers are paid to ensure you receive the right services as your needs evolve.
This includes admin tasks such as budget reporting, monthly statements, and compliance. Always ask what’s included and ensure you’re getting value for money.
Some providers charge a fee if you choose to leave their service. However, many providers — including My Care Options — charge no exit fees, offering more flexibility and freedom.
The Australian Government contributes a yearly amount depending on your assessed level of need. These funds are paid directly to your chosen provider.
Package Level | Annual Subsidy | Approx. Weekly Budget |
Level 1 | $10,271.10 | $197.52 |
Level 2 | $18,063.85 | $347.38 |
Level 3 | $39,310.50 | $755.97 |
Level 4 | $59,593.55 | $1,146.03 |
You and your provider work together to plan how this funding is used to support your care.
Providers are required to be transparent with their fees. Always ask for a detailed fee schedule and ensure everything is included in your Care Agreement. Avoid providers that aren’t upfront or offer vague pricing.
No one should miss out on care due to financial hardship. If you’re struggling to pay any required fees, you can apply for financial hardship assistance through Services Australia. Support may include partial or full waivers of income-tested care fees.
My Care Options can help you compare trusted providers and find one that suits your budget and care needs. Our guidance is completely free, and we’ll ensure you only pay fair, transparent rates — no surprises.