Your Guide to Home Care Services in Melbourne: Government-Funded & Private Options
As our loved ones age, many families begin exploring home care services to help maintain their independence and quality of life while remaining in the comfort of their own homes. In Melbourne, there are several aged care options available, including government-funded home care and private home care services. Understanding the differences, benefits, and drawbacks of each can help families make an informed decision about the best support for their loved ones.
Government-Funded Home Care Options
The Australian Government provides subsidised aged care services through My Aged Care, helping seniors access affordable support while maintaining independence at home.
1. Commonwealth Home Support Programme (CHSP)
Best for: Seniors who need basic support to stay independent.
CHSP is an entry-level home care program designed for older Australians who require minimal assistance with daily tasks. It offers services such as:
Personal care (e.g., bathing, dressing)
Meal preparation and nutrition support
Transport and social outings
Domestic assistance (e.g., cleaning, laundry)
Allied health services (e.g., physiotherapy, podiatry)
Benefits:
✔ Affordable, as the government covers most of the costs.
✔ Flexible, with services designed for short-term or intermittent needs.
✔ Simple application process via a Regional Assessment Service (RAS).
Drawbacks:
✖ Limited services; may not cover complex medical needs.
✖ Availability can be restricted, leading to waiting lists.
✖ No option to choose your provider—services are pre-assigned.
2. Home Care Packages (HCP)
Best for: Seniors with higher-level care needs who require long-term support.
HCP is a government-subsidised funding program that provides more comprehensive home care, offering four levels of support based on individual needs:
Level 1: Basic care needs
Level 2: Low-level care needs
Level 3: Intermediate care needs
Level 4: High-level care needs
Funds can be used for services such as:
Nursing care and wound management
Medication management
Mobility equipment and home modifications
In-home respite care
Assistance with dementia care
Benefits:
✔ More funding than CHSP, allowing for tailored care plans.
✔ Greater control over service providers and care choices.
✔ Long-term solution, reducing the need for residential aged care.
Drawbacks:
✖ Long wait times (often 12+ months) before receiving funding.
✖ Requires a financial assessment, with some co-contributions needed.
✖ Complexity in managing package budgets and provider fees.
Private Home Care Services
For those who prefer immediate access to care, private home care services offer a viable alternative to government-funded options.
3. Private Home Care Services (Self-Funded)
Best for: Families who need immediate, flexible, and personalised care.
Private home care services provide a wide range of customised support, including:
24/7 live-in care or overnight care
Personal care assistance and companionship
Palliative and dementia-specific care
Nursing care and medication management
Domestic assistance and home maintenance
Benefits:
✔ No waiting periods—immediate access to support.
✔ Full choice and control over care providers and services.
✔ More flexible care schedules and package customization.
✔ Higher quality and continuity of care with dedicated caregivers.
Drawbacks:
✖ No government funding or financial assistance—costs are covered entirely by the individual or family.
✖ Not regulated under My Aged Care, requiring careful provider selection.
Comparing Government-Funded vs. Private Home Care
| Feature | Commonwealth Home Support Programme (CHSP) | Home Care Packages (HCP) | Private Home Care |
|---|---|---|---|
| Cost | Low (government-subsidized) | Medium (co-contribution required) | High (self-funded) |
| Waiting Time | Short (weeks) | Long (months to years) | None (immediate access) |
| Level of Care | Basic support | Comprehensive, depends on funding level | Fully customizable |
| Choice of Provider | Limited | Some control | Full control |
| Flexibility | Low | Medium | High |
How to Choose the Right Home Care Option
When deciding on the best home care solution, consider the following:
Level of Care Needed – Basic support? Daily assistance? 24/7 nursing care?
Budget & Financial Assistance – Can you afford private care, or do you qualify for subsidies?
Urgency – Can you wait for a government-subsidized package, or do you need immediate support?
Provider Flexibility – Do you want full control over your care team?
Future Needs – Will care requirements increase over time, requiring a more comprehensive plan?
At Circle Home Care, we provide both government-subsidised and private home care options, ensuring Melbourne families can access personalised, high-quality care. Whether you are looking for My Aged Care-funded support or need private home care services immediately, we can help tailor a plan that suits your needs.
📞 Contact us today to discuss your options and ensure your loved one receives the best care possible.