Home care services funding options and fees
There are many ways to fund your home care services. At Catholic Healthcare, we're here to help you understand the various home care service options and costs, and choose the option that’s right for your individual circumstances.
You might choose to pay privately, or explore your eligibility for government funded services including Commonwealth Home Support Programme (CHSP) and Home Care Packages (HCP).
Understanding your funding options
Government-funded
Commonwealth Home Support Programme (CHSP) |
Home Care Packages (HCP) |
Designed for those who are generally independent but need some help with daily tasks, whether short-term or ongoing. |
If you require more comprehensive assistance, you may be eligible for a Home Care Package, providing ongoing support tailored to your needs. |
Non-government funded
Self-funded |
We offer self-funded services to those who may not qualify for government-funded care or who choose to pay privately while they wait for their Home Care Package to be assigned, or to ‘top up’ their package. Our self-funded services provide tailored and flexible immediate, short, and long-term support without the need for an ACAT assessment. |
Why choose Catholic Healthcare?
Trusted by 6,000+ home care clients |
Transparent pricing and no transfer fees |
Flexible payment options |
Holistic and quality aged care specialists |
Self-Funded Services Costs
Paying privately offers flexibility and control to choose support tailored to your needs. This allows you to enhance care beyond what government subsidised programs provide.
Whether you need short-term assistance or ongoing help, you can customise your care plan and manage costs directly. This approach ensures you receive the level of care you deserve while maintaining your independence.
SFS Benefits
- No need for ACAT assessment
- Immediate access to services without waiting for government funding
- Flexibility to top-up existing Home Care Packages for additional services
- Care and package management options available
*Please view our complete SFS price guide below.
Popular services |
Self-funded costs (Standard hours)* |
Cleaning and household tasks |
$86.00 per hour |
De-clutter and organise |
$134.00 per hour |
Personal care and domestic assistance |
$90.00 per hour |
Respite care |
$90.00 per hour |
Nursing care |
$143.00 per hour |
Social outings |
$86.00 per hour |
Home Care Package Costs
A Home Care Package (HCP) is a government-subsidised program designed for older individuals with more complex care needs that go beyond what the Commonwealth Home Support Programme (CHSP) can provide.
While most costs are covered by your package subsidy, you also have the option to enhance your care with services tailored to your needs as a self-funded individual. This flexibility ensures you get the support you deserve, when you need, how you need it.
HCP Benefits
- Choose a single provider to meet all your service needs
- Access a broad range of adaptable services as care needs evolve (HCP currently has 4 levels and will expand to 8 levels with the Support at Home initiative starting in July 2025)
- Contribute to care costs with an income-tested fee, capped over your lifetime
- Care and package management options included
*Please view our complete HCP price guide below.
Popular services |
HCP costs (Standard hours)* |
Cleaning and household tasks |
$78.00 per hour |
Personal care and domestic assistance |
$82.00 per hour |
Respite care |
$82.00 - $190.00 per hour |
Transport (per one way) |
$5.00 per trip |
Health and wellness |
$122.00 per month |
Commonwealth Home Support Programme Costs
Catholic Healthcare offers home care services under the Commonwealth Home Support Programme (CHSP), providing basic support for low-level needs, allowing you to live independently at home. Eligibility is determined through an assessment arranged via My Aged Care, with services limited to those approved in the initial assessment.
You will also contribute towards the cost of your services. In some locations, we offer CHSP services—call us for more information and to learn how we can help with in-home and respite care tailored to your needs.
*Please view our complete CHSP price guide below.
Popular services |
CHSP costs (Standard hours)* |
Day-to-day home support |
$15.00 per hour |
Allied health (individual) |
$20.00 per hour |
Respite care (centre based) |
$20.00 per hour |
Transport (per one way) |
$5.00 per trip |
Health and wellness |
$30.00 per month |
Find home care services near you
You will find us in regional and metro areas across New South Wales and South East Queensland. At Catholic Healthcare, we offer a wide range of home care services in NSW. Explore our locations to find an in-home care service that meets your needs, providing compassionate care and support in your community.
Free handbook: Discover Catholic Healthcare’s unique approach to our in-home care services
Learn how we tailor our care to meet your needs and provide compassionate, expert support at home to help you live independently. This FREE and handy brochure offers an easy-to-read guide on what sets our services apart.
Frequently Asked Questions
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What is the home care assessment process for government subsidies?
In Australia, aged care assessments are conducted by the government’s Aged Care Assessment Team (ACAT) or Regional Assessment Service (RAS). These assessments are crucial in determining the level of government-funded care services an individual qualifies for, whether it be in-home support, respite care, or residential aged care. Please click here to read more.
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What are the spending options for Home Care Packages?
Spending options for your Home Care Package (HCP) allow you to access a variety of services designed to help you stay at home longer and improve your quality of life. Some common options include:
- Personal care (showering, dressing)
- Domestic assistance (cleaning, meal preparation)
- Nursing and allied health services
- Transport for appointments or social outings
- Social support and companionship
These services are tailored to your needs and can help you maintain your independence. Please see the full list of the services here.
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Who is eligible for a Home Care Package?
In Australia, you're eligible for a Home Care Package if you're 65 or older (or 50+ for First Nations people) and need coordinated services to help you stay at home. It also applies to younger people with disabilities, dementia, or other care needs that aren’t covered by specialist services. These packages are designed to give you the extra support you need to maintain your independence and well-being at home.
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How Home Care Package contributions work?
If you're eligible for a Home Care Package (HCP), it comes with a couple of key components:
Government contribution
Your contribution
Income-tested fee
This includes any fees and possible out-of-pocket costs.
This includes contributing to your care costs, if your income exceeds certain thresholds, even if you later move into residential aged care.
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What are the different levels of HCP care needs and their daily government subsidies?
Here's a quick overview of the available package levels and their associated government subsidies:
Level of care needs
Daily government subsidy rate*
Level 1 - Basic
$29.01
Level 2 - Low
$51.02
Level 3 - Intermediate
$111.04
Level 4 - High
$168.33
*Please note that the government contribution increases annually, and the figures above are accurate as of July 2024.
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What is the Support at Home program in 2024?
The Support at Home program is a new initiative designed to streamline and enhance in-home aged care services in Australia. Starting from 1 July 2025, it will replace the existing Home Care Packages program and the Short-Term Restorative Care program. Additionally, the Commonwealth Home Support Program (CHSP) will transition to this new framework no earlier than 1 July 2027. Learn more about the Aged Care Reforms in Australia.
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How much does home care cost?
The cost of aged care is different for every individual and is determined by the Australian Government based on your financial situation. Please speak to our friendly team to determine your home care costs.
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Can self-funded retirees get a Home Care Package?
Yes, self-funded retirees can access a Home Care Package. However, they may be required to contribute to the cost through an 'Income Tested Fee.' The amount you need to contribute depends on your income and is determined by an assessment. Please speak to our friendly team to determine your eligibility and the fees involved.
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How will I receive my monthly statements?
Each month, you'll receive a statement via the Catholic Healthcare app detailing the charges made against your subsidy for services and equipment used during the previous month.
Remember, while your package covers many services, there are some things that it cannot pay for. If you have any questions or need further clarification, don’t hesitate to reach out!
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Catholic Healthcare acknowledges the Traditional Owners and Custodians of the lands on which we work and provide our services. We support the Uluru Statement from the Heart to achieve justice, recognition and respect for Aboriginal and Torres Strait Islander People.