When it comes to aged care in Australia, one of the most popular and flexible choices is the Home Care Package (HCP). This program enables seniors to receive tailored support services while remaining in their own homes, promoting independence and quality of life.
Additionally, the number of people utilising HCPs has risen significantly, growing from over 71,000 in the financial year 2017 to just over 277,600 people by June 2023. This steady increase highlights the growing demand and trust in these packages as a viable option for in-home aged care.
So, if you are considering aged care for a loved one, it is important to understand the different types of care and home care package levels available in Australia. Home care packages provide care and support services for older Australians who wish to stay in their own homes.
Choosing the right level of a home care package might seem daunting, but it’s essential to make an informed decision. In this article, we’ll cover everything you need to know about home care packages in Australia, including eligibility criteria and the different levels of support provided. We’ll help simplify the process so you can confidently navigate your options and find the best fit for your loved one’s needs.
What Are Home Care Packages?
The Australian Government has two programs, the Commonwealth Home Support Program (CHSP) and Home Care Package (HCP), to empower older Australians to age comfortably and live independently at home.
HCP is a coordinated package of aged care services that provide more comprehensive and tailored support, including a wider range of services such as nursing care, allied health services, and home modifications. Funded by the Australian Government, this package is divided into four levels, each designed to meet the specific needs of the individual. HCP recipients have the flexibility to choose their service providers and the types of support that best meet their needs.
Home Care Packages can be a great way to stay independent and live in your own home for as long as possible. To find out if they’re right for you, contact your local council and book a free assessment.
What Are the Various Levels of Home Care Packages?
So you’ve decided that you need some help with your day-to-day activities. That’s a really smart decision, and Home Care Packages can be a great way to get the assistance you need.
But what are the different levels of Home Care Packages, and which one is right for you?
Basically, there are four levels of Home Care Packages.
- Level 1 – Basic
- Level 2 – Standard
- Level 3 – Enhanced
- Level 4 – Premium.
Different home care package levels offer different levels of support, so it’s important to understand what’s included before you make a decision.
So, take a few minutes to think about what you need, and then talk to your local aged care services provider to find out more about care packages in Australia.
How To Know Which Level of Home Care Package is Needed?
You might wonder how to determine which level of HCP you need. It can be complicated, but we’re here to assist.
The first step is to speak to your local Aged Care Assessment Team (ACAT). They’ll assess your needs and recommend a level of care package that’s right for you.
Keep in mind that the level of HCP you receive may not be the same as the level you’re assessed at. The ACAT will take into account your needs and budget when making their recommendation.
Ready to discuss your options? Contact us today to schedule a consultation and explore how home care packages can enhance your quality of life and promote independence at home.
What Services Are Covered Under Each Level of Home Care Package?
Have you or a loved one been diagnosed with a chronic illness or disability? If so, you may be wondering what kind of home care package is needed. So, you’re thinking of getting a care package? The answer to that question depends on a number of factors, including the severity of the illness or disability, the level of care required, and the preference of the individual.
It’s important to understand the different levels of HCP and what services are covered under each one. Let’s take a look:
Hcp level 1 package – to assist people in need of basic care.
Hcp level 2 package – assist people with low-level care requirements.
Hcp level 3 package – designed for individuals in need of intermediate care.
Hcp level 4 package – provides help to individuals with high care needs.
What is a Level 1 home care package?
A Level 1 Home Care Package is intended to assist people with basic in-home care needs. The annual funding for this level of package is $10,588.65.
Those with a Level 1 Package are still self-sufficient and can complete most daily tasks on their own. Level 1 HCP recipients frequently use the following services:
- Social assistance
- Transport
- Preparation of meal
- Personal care
- Domestic support
A Level 1 HCP will provide you with approximately 2-3 hours of support per week, depending on the fees of your specific provider. The majority of customers use this weekly house cleaning and fortnightly or monthly gardening duties.
What is a Level 2 home care package?
The Level 2 Home Care Package is designed to assist people with low-level care needs. Those with a Level 2 Home Care Package receive $18,622.30 per year in funding.
Level 2 HCP requires some assistance but is still capable of performing many household tasks on its own. A Level 2 Care Package can be used for the following services:
- All of the basic care provided at level 1
- Basic home and garden care
- Loan of basic medical supplies
- Domestic care and personal support
- Some nursing support
- Shopping/Transport
- Personal care
This amount of funding will provide you with approximately 4-5 hours of care and support per week, depending on the home care package pricing of your specific provider. The majority of customers use this for personal care, household cleaning, transportation, and gardening.
What is a Level 3 home care package?
Level 3 Home Care Package assists people who have intermediate-level care needs and require significantly more assistance than Levels 1 and 2 to remain safely at home.
With a Level 3, you will receive $40,529.60 per year for Home Care and may choose to access the following:
- All of the basic care provided at level 1 and 2
- Help with aids and appliances
- Medication administration
- Personal hygiene and Domestic support
- Help with household chores
- Social assistance and Meal planning
- Nursing assistance/Help with memory and/or behaviour changes
- Shopping and Transportation
A Level 3 Home Care Package will provide you with 9-10 hours of support per week, depending on your provider’s fees. In general, those with a Level 3 Package will have access to more personal care, nursing, or allied health support than those with lower-level packages.
What is a Level 4 home care package?
A Level 4 Home Care Package caters to individuals who require high-level care. This package provides $61,440.45 in funding per year, which equates to 14-15 hours of care per week, depending on the fees of your specific provider.
If you or a loved one requires high-level or complex care needs, you may be eligible for financial assistance with:
- All of the primary care provided at levels 1, 2 and 3
- Domestic help (laundry, cleaning, etc.)
- Personal hygiene (showering/dressing, for example)
- Social assistance and Meal planning
- Help with aids and appliances
- Medication administration and a home care package supplement.
- Help with memory and/or behaviour changes
- Shopping and Transport
People with dementia or Parkinson’s disease are frequently assigned Level 4 Packages. These conditions necessitate a great deal of attention, as well as attention from support workers who specialise in these complex areas.
Does Home Care Packages Include Respite in Australia?
Yes, in Australia, home care packages can indeed cover respite care services. This means that if you’re a primary caregiver, you can get some temporary relief while professionals step in to care for your loved one at home. It’s a great way for caregivers to take breaks, run errands, or have some time to themselves, all while ensuring the person receiving care is well looked after. These services are flexible and personalised to suit the needs of both the caregiver and the care recipient.
Don’t wait to get the care you deserve. Your well-being is our priority and with our home care package service you can enjoy personalised support tailored to your specific care requirement.
How Are Home Care Packages Funded?
When it comes to the home care package cost and fees, it might be confusing whether the government or your healthcare provider funds them.
The answer is a bit complicated. In short, the government funds essential aspects of care plans, such as basic daily care needs, nursing home care, respite care, home support, and necessary home modifications to ensure your safety at home.
On the other hand, your healthcare provider often covers expenses like GP visits, medications, allied health services, and specialist care.
However, recipients may also need to contribute financially through various fees, including a basic daily fee, an income-tested fee based on their financial situation, and potentially additional fees for extra services or upgrades.
What Can Home Care Package Funds be Used for?
Home care packages are used to provide flexibility in tailoring care and services to individual needs, aiming to improve health, well-being, and independence at home. They’re designed to address specific care needs, enhance overall well-being, ensure safety, promote wellness, all while following government guidelines.
However, the home care fees don’t cover general living expenses, permanent accommodation costs, holiday expenses, entertainment, or gambling. They also don’t fund items covered by Medicare or the Pharmaceutical Benefits Scheme. This means medications are usually paid through other means, such as the Pharmaceutical Benefits Scheme (PBS) in Australia, or for out of pocket by the individual.
Then, can i buy a fridge with my home care package?
No, purchasing a fridge would not typically be covered by a Home Care Package. Buying household items like a fridge would generally be considered an expense covered by your general income rather than by your Home Care Package.
Home Care Package Waiting Time
Upon being assessed as eligible by myagedcare, the wait time for receiving a Home Care Package depends on the package level and the urgency of the individual’s needs. Here are the approximate wait times:
| Level | Waiting Time |
| 1 | Less than 1 month |
| 2 | 3 to 6 months |
| 3 | 9 to 12 months |
| 4 | 9 to 12 months |
These timeframes are estimates and may vary based on individual circumstances and resource availability.
Why is There a Waiting Time for HCP?
The wait for home care packages is a result of several factors, including limited resources, a high demand for services, and the necessity to prioritise those with more urgent needs. This wait ensures that individuals with the most pressing requirements receive assistance promptly.
As reported by abc.net.au, there are currently over 68,000 older Australians awaiting a home care package. The main reason for this delay is the high demand that exceeds the available resources. Factors contributing to this include limited funding for aged care services, a rising elderly population increasing demand, and the lengthy assessment and approval procedures.
How To Apply for a Home Care Package?
If you’re interested in applying for a home care package, here’s what you need to know.
The first step in the home care package application process is to reach out to My Aged Care. They are the government body responsible for overseeing home care packages, and they’ll be able to help you figure out whether you’re eligible and what level of the package would be best for you.
Once you contact My Aged Care, they’ll connect you with a local provider. This provider will work with you to create a care plan that meets your specific needs.
How To Choose a Home Care Provider?
Finding a new home care provider can be challenging, but with the right approach, you can find a trustworthy and suitable option for yourself or your loved one.
It can be as simple as doing thorough research and asking the right questions, which can help ensure you make the best choice. Here are a few tips:
First, make a list of your needs and priorities. What’s important to you? Is it someone who can help with daily tasks like grocery shopping and cleaning? Or do you need someone to provide companionship and social support?
Next, take a look at the home care providers in your area. Do your research, see different aged care websites and read reviews. Ask around for recommendations. Once you’ve set your list, set up interviews with the providers you’re interested in. This is a great opportunity to ask lots of questions and get a feel for whether or not they’re a good fit.
Ultimately, the decision comes down to what’s best for you and your loved one. Trust your gut instinct and go with the provider that feels right.
What Are the Benefits of Having a Home Care Package?
There are many benefits to having a home care package, especially if you are an elderly or disabled individual who needs assistance with daily tasks. A home care package can provide you with the help you need to remain independent and live comfortably in your own home.
Well, for one, you get more choice and control over the care that’s provided for you. You can choose your home care package provider, and you’re not limited to the services that your local council can provide.
Plus, you get more flexibility with your care arrangements. If your needs change, you can easily adjust your package to reflect that. And you’re not stuck in a long-term contract—you can cancel or suspend your package at any time.
Another big benefit is that you get access to a range of government-subsidised services, which can save you a lot of money.
Some of the benefits of having a home care package include:
-Having someone to help you with things like cooking, cleaning, and laundry
-Having someone to help you with your medications and medical appointments
-Having someone to help you with your finances and bill payments
-Being able to stay in your own home rather than moving into an assisted living facility
So, if you’re thinking of getting a home care package, weigh up all the benefits and see what’s the best level option for you.
How Can I Maximise the Benefits of My Home Care Package?
Once you’ve been approved for a home care package, it’s important to make the most of your package, and that’s where we can help.
Wise Choice in a Home team of experts can work with you to create a care plan that fits your needs. We’ll make sure you get the right care and assistance at home, so you can live your life the way you want to.
If you’re not sure where to start or you need some help getting started, our team is here to help. We can answer any questions you have and help you make the most of your home care package.
Conclusion
It can be difficult to navigate the world of home care packages, but we hope this article has made things a little bit easier. Keep in mind that these are just general guidelines – to find out what package is right for you, it’s best to speak to your local aged care service provider.
Take your time in selecting a home care package – it’s a big decision and one that should be made with as much information as possible. Don’t be afraid to ask for help, whether it’s from family members, friends, or professionals.
If you still have questions or you need help choosing the right package for your loved one, get in touch – we’re here to help.
