If you are eligible for a Home Care Package, you need to be aware of the fees you may have to pay, how much the government will contribute, and how your budget works. Understanding your financial situation before you choose a home provider is best, as it will help you make the right decision regarding your support needs.
What is a Home Care Package?
A Home Care Package is funding provided to individuals by the federal government’s Department of Health to help them live independently in their home for longer, through more affordable support services.
Home Care Packages are provided as an annual budget and are administered by a Home Care Package provider who manages the funds on the person’s behalf. Find out more about Home Care Packages and eligibility requirements for a Home Care Package.
What makes up your Home Care Package budget?
Your Home Care Package budget is comprised of several elements:
- The Australian government’s contribution – This can include supplements (see section below) for specific care needs for eligible recipients.
- Basic daily fees – Everyone who receives a package has to pay these.
- Income-tested care fees – People who earn income over a certain amount are required to pay income-tested care fees.
- Sums for additional care and services – These are payable by the individual if they require additional services that the package funding would not otherwise cover.
You will need to enlist the services of a Home Care Package provider who will manage your HCP funds (both government funding and any supplemental funds you add) and pay expenses on your behalf.
Mable partners with HomeMade, a provider which offers genuine self-management, but you can choose a provider for yourself if you prefer, and each organisation devises their own Home Care Package service fees. Your package covers your care services and the costs charged by your provider to manage your package services.
What are funding supplements?
Depending on the type and extent of care you require, the government may provide further funding supplements for particular services, such as the following:
- Viability supplement – If you live in a rural or remote area.
- Enteral feeding supplement – If you depend on ongoing enteral feeding.
- Dementia and cognition supplement – This is for people who experience moderate to severe cognitive impairment.
- Veterans’ supplement – Applicable for veterans who experience cognitive issues related to their military service.
- Oxygen supplement – If you have an ongoing medical condition that requires oxygen.
Speak to your package provider to discuss whether you are eligible to receive any of these funding supplements.
What levels of Home Care Package are there?
There are four levels of Home Care Packages. Each one is based on the needs of the individual and can be graduated as the individual’s needs progress over time.
Level 1: Basic home care needs
Level 2: Moderate home care needs
Level 3: Higher home care needs
Level 4: Very high home care needs
Every person’s needs are assessed so that they will receive the most appropriate level of Home Care Package. Find out in detail about levels of Home Care Packages.
What does the government contribute towards Home Care Packages?
How much are the different Home Care Package levels? This depends on the level for which you have been approved, as per information provided on the My Aged Care website.
|Home Care Package levels||Daily government subsidy payment||Annual government contribution|
The government contribution changes every 1st July. The figures above are current as at 1st July 2021.
What do I have to pay towards my Home Care Package?
Home Care Package pricing is not the same for every person, and not everyone has to pay all of the fees outlined below. Your financial situation and the provider you choose will be taken into consideration.
Basic daily fee
What is the basic daily fee for a Home Care Package? Well, this per day fee – payable by you – gets added to the government subsidy to boost the funds available in your HCP budget. Not all providers will ask you to pay the basic daily fee but it will mean you have less funds in your budget to pay for the services you need. It’s important that when deciding on a provider, you are satisfied with whether you pay or don’t pay the basic daily fee.
|Package level||Daily fee||Fortnightly fee|
The above figures were current on the My Aged Care website as at 20th March 2022. The basic daily fee figure changes each March and September, to coincide with changes to the aged pension.
Income-tested care fee
An income assessment will be carried out on your financial situation to determine whether, and how much, you will be required to pay.
- Full pensioners and people with an income up to $28,974.40 do not pay an income-tested care fee.
- You could pay up to $16.15 per day, if you:
- are single earning over $28,974.40;
- are a member of a couple living together earning over $22,471.80; or
- are a member of a couple living apart due to illness earning over $28,454.40.
- You could pay up to $16.15 – $32.30 per day, if you:
- are single, earning over $56,035.20;
- are a member of a couple living together earning over $42,868.80; or
- are a member of a couple living apart due to illness earning over $55,515.20.
These amounts change with indexation on 20 March and 20 September every year and are up to date as at 20 March 2022.
For instance, full pensioners and those who earn up to $28,974.40 per year are not required to pay the income-tested care fee.
If your financial situation changes, the income-tested care fee may also change accordingly.
Annual and lifetime caps apply to this fee so once you reach your cap amount, you cannot be asked to pay more in income-tested care fees.
Information above has been sourced from the MyAgedCare website.
Additional service fees
You may require additional services that are not covered by your Home Care Package budget. Additional service fees should only apply if your budget doesn’t have enough funds to cover them. Speak with your Home Care Package provider about any additional needs you have. Your provider will be able to give you all the information you need about Home Care Package fees and charges so don’t hesitate to ask if you’re unsure.
Use Mable to self-manage your home care package
Self-managing your Home Care Package puts you in control of the services you receive, who provides them, and when. You also get to negotiate how much you pay the independent support workers you connect with via the Mable platform.
Because the support workers you’ll find on Mable are independent, and as Mable is an online platform, costs are lower so you can get up to double the hours of support than you might with a traditional agency.
With Mable, you also get to develop personal connections and long-term support relationships with your support workers.
Learn more about how to self-manage your home care package.
Use your home care package to find a support provider that works with Mable
More than 10,000 independent support workers across Australia offer their services to clients via Mable. You can search the support worker profiles to find someone who’s the right fit for you, or you can post a job and outline your specific requirements.
Your Home Care Package provider will be invoiced for the services you receive via Mable and will pay the invoices on your behalf out of your HCP funds.
Find out more about using your home care package to connect with supports.
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In this Home Care Package guide
- You're on a waitlist for a Home Care Package - now what?
- How to connect with support when Self-Managing a Home Care Package
- Top 3 advantages of building a team of supports on Mable
- How Mable can provide you with comfort about the safety of your loved ones
- Not getting enough support with your Home Care Package? Here’s how Mable could help