Funded Home Care

To gain access to funded in-home care services you will need to be assessed by the Aged Care Assessment Team, sometimes called ACAT. Your doctor may refer you to ACAT although you can make contact directly with ACAT and request an assessment. ACAT provide approval for a Home Care Package funding. Home Care Packages come in four levels and provide a government funded care subsidy starting at around $22 per day for Home Care Package Level 1, and increase to more than $130 per day for Home Care Package Level 4. 

If you are found eligible by ACAT, you will be given a banded approval for either Home Care Package Levels 1 and 2, or Levels 3 and 4. The higher approval (Levels 3 and 4) can be used to secure a lower level package. For example a Level 3 and 4 approval can be used to gain admission in to a Level 1 or Level 2 package if a Level 3 or a Level 4 package vacancy is not available. You may be asked to pay a contribution to your home care costs although you won’t be denied care if you can’t afford it. Full pensioners can be asked to contribute up to 17.5% of the basic single aged pension. This currently equates to around $68 per week regardless of what package level you are entering. Part pensioners and self-funded retirees may be required to contribute more than the basic fee depending on their income. 

If you are not receiving a means-tested income support payment, like the aged or disability pension, you will need to complete an income assessment with the Department of Human Services who will inform you of what Home Care Package fees will apply. A fee estimator can be found at the My Aged Care site.Home care providers offer Home Care Packages under a Consumer Directed Care (CDC) model. Under a Consumer Directed Care model you will have visibility of your home care funding and control over the way your home care funding is spent. 

Your home care provider will work with you to develop a budgeted care plan based on your Home Care Package subsidy and any fees you may be required to pay (package income), and the products and services you decide to purchase (package expenditure), whether your home care provider delivers those services or they are brokered out to other providers. Home Care Providers charge package management fees to hold and manage your Home Care Package. These fees fall into two categories, Administration and Case Management, and they are deducted from your Home Care Package income, reducing the money remaining for you to purchase products and care services. The lower the package management and care fees, the more care you’ll get for your money. For more information on Home Care Packages visit the My Aged Care website. 

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