What is a home care package & how does it work?

What is a home care package?

A Home Care Package is a government-funded program that provides funding, which is then used to hire services to support older Australians in continuing to live independently in their own homes. These packages are flexible, tailored to individual needs and offer a range of assistance, including personal care, domestic help and clinical support.

There are four levels of home care packages to match different care needs:

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

Each level provides funding for services like personal hygiene support, meal preparation, transportation, and even minor home modifications. The higher the level, the more funding is available for more intensive care needs. These funds are paid to your chosen provider, who works with you to create a personalised care plan that aligns with your goals and lifestyle.

How do you qualify for a home care package?

If you’re wondering who qualifies for a home care package, know that the Australian Government evaluates the level of support needed for home care packages through a structured assessment process:

1. Initial referral —  A referral to the Aged Care Assessment Team (ACAT) is required, often initiated by a healthcare provider or the individual themselves.
2. In-home assessment —  An ACAT assessor visits your home to review your living conditions, medical needs and current support systems.
3. Needs evaluation —  During the assessment, they determine your ability to perform everyday tasks, such as cooking, cleaning or managing medication, and assess whether additional services are necessary.
4. Care plan development — Based on the findings, a tailored care plan is created, outlining the level of support you qualify for and how services will be delivered.

This detailed assessment ensures resources are allocated to individuals with the greatest need and provides a clear path for accessing care.

How to apply for home care packages

If you’re ready to take the next step, here’s how to apply for home care packages in a few straightforward steps:

1. Contact My Aged Care — Register online or call My Aged Care to begin the process. You’ll answer some questions about your current situation and care needs.
2. Complete an ACAT assessment — You’ll be referred for an ACAT assessment if needed. A trained professional will visit your home to evaluate your needs and determine the right level of support.
3. Receive approval — Once approved, you’ll receive a letter outlining your package level and placement in the national priority system.
4. Choose a provider — Use your referral code to select a provider, like Homecare My Way, that aligns with your needs and values. Your provider will help you create a care plan and budget.
5. Start your services — Once your care plan is finalised, your services can begin.

What is a self-managed home care package?

A self-managed home care package puts you in the driver’s seat, giving you full control over how your funds are used and which providers deliver your services. This approach offers flexibility and empowers you to tailor your care to suit your situation. 

Some benefits of self-management can include: 

• Greater choice and control over services and providers
• Cost savings through direct negotiation with service providers
• Flexibility to adjust services as your needs change

Self-management is a fantastic option for those who want to personalise their care plan while staying actively involved in decision-making. At Homecare My Way, we make self-management supportive and straightforward. Whether you prefer full self-management or a combination of provider support, we’ll ensure your care remains effective and stress-free. 

Who is eligible for a home care package in Australia?

The criteria for home care package eligibility in Australia ensure that support is provided to those who need it most. Here’s a quick overview:

• Age and residency — You must be 65+ (or 50+ for Aboriginal and Torres Strait Islander people) and an Australian resident.
• Health and functional needs — The need for assistance with daily activities, personal care or mobility is a key factor.
• ACAT Assessment — An ACAT professional will assess your situation to determine if you qualify and assign the appropriate package level.

Your care plan isn’t static — it’s designed to evolve with you. Whether your circumstances change or you’re upgraded to a higher-level package, regular reviews ensure your services align with your needs and goals.

How do home care packages work?

Once approved, your home care package provides funding for services that meet your specific needs. Here’s how it works:

• Developing a care plan — Your chosen provider collaborates with you to create a care plan outlining the services you’ll receive.
• Funding allocation —  Each package level comes with a set amount of funding, which can be used for services like personal care, home maintenance and health support.
• Customisation — Whether provider-managed or self-managed, you’ll have the flexibility to tailor your care.

While the Australian Government subsidises most of the costs, you may be required to contribute to your care depending on your financial circumstances. These contributions include an income-tested care fee (if applicable) and additional agreed fees for extra services. Your provider will guide you through these details.

What services can a home care package include?

Home care packages cover a wide range of services to help you live independently and comfortably. Examples include:

• Personal care — Assistance with bathing, grooming, dressing and toilet use.
• Household support — Cleaning, laundry, administrative aid and light gardening for safety.
• Mobility aids — Walkers, wheelchairs and other devices to support independence.
• Transportation — Help getting to appointments or attending community activities.
• Health services — Nursing care, physiotherapy and other clinical support.

What can’t a home care package cover?

While home care packages are flexible, there are limitations on what funds can be used. These include:

• General living expenses (e.g., rent, utilities, groceries).
• Entertainment costs like club memberships or holidays.
• Major home renovations or luxury items unrelated to care needs.

Understanding these exclusions helps you maximise your package for approved services.

Why Choose Homecare My Way

At Homecare My Way, we understand that no two people are alike. Our approach is personalised, down-to-earth and full of life — just like the people we serve. Whether you’re new to home care packages or looking for better options, our team is here to guide you every step of the way.

From helping with frequently asked questions like “How do you get a home care package?” to supporting you with self-managed options, we’re committed to making the process as simple and empowering as possible.

Explore self-management with Homecare My Way

A home care package is more than a set of services — it’s a way to maintain your independence, stay connected and live life on your terms. By understanding what a home care package is, how you qualify for a home care package and the benefits of self-management, you can take full advantage of this valuable resource.

If you’re ready to start your journey or have questions about tailoring your care, we’re here to help. Contact Homecare My Way today to learn more or explore our services and care options. Let’s work together to create a care plan that’s uniquely yours.