Supporting an older loved one at home can be overwhelming — especially when you’re unsure how government funding works. Many families worry about rising care needs, but aren’t sure where to begin with Home Care Packages (HCP), what level their loved one qualifies for, or how to apply.
In this guide, we break down Australia’s Home Care Package system in simple terms, so you can understand what’s available, what’s covered, and how to access support for home elderly care services in Melbourne.
What Is a Home Care Package?
A Home Care Package (HCP) is a government-funded program designed to help older Australians remain independent in their own homes. It provides funding for a range of services, including:
- Personal care
- Domestic help
- Nursing support
- Meal preparation
- Respite care
- Dementia support
- Transport and community access
These services allow seniors to stay safe, comfortable, and connected to their community — rather than moving into residential care.
If you’d like to explore the types of support available, view our Home Care Packages (HCP) page.
The Four Levels of Home Care Packages
Home Care Packages are allocated across four funding levels:
Level 1 – Basic Support
Ideal for older adults who need a little help with daily tasks such as light cleaning, meal preparation, or occasional personal care.
Level 2 – Low-Level Support
Suited for seniors who need slightly more ongoing support, including regular personal care, domestic assistance, and social support.
Level 3 – Intermediate Support
Designed for older adults living with moderate care needs, including mobility issues, chronic conditions, or increasing dependence.
Level 4 – High-Level Support
Suitable for seniors with complex, high-level care needs, including advanced dementia, ongoing nursing support, or significant daily assistance.
Who Is Eligible for a Home Care Package?
Eligibility is determined through an ACAT (Aged Care Assessment Team) assessment, which looks at:
- Your loved one’s health
- Their mobility and safety at home
- Daily living challenges
- Cognitive symptoms (e.g., dementia)
- Need for ongoing support
Anyone over 65 (or over 50 for Aboriginal and Torres Strait Islander people) can apply.
If your loved one is showing signs that more support is needed at home, you may also find this helpful:
Top 7 Signs Your Elderly Loved One May Need In-Home Care
How to Apply for a Home Care Package (Step-by-Step)
Step 1: Start the Application on My Aged Care
Visit the My Aged Care website or call 1800 200 422 to begin the application process.
Step 2: Attend the ACAT Assessment
The assessor will visit your loved one at home to understand their needs, risks, and level of independence.
Step 3: Receive Your Approval Letter
This letter outlines the package level your loved one has been approved for — Levels 1 to 4.
Step 4: Join the National Waitlist
Unfortunately, wait times can range from 3 to 12+ months depending on demand and location.
Step 5: Select a Care Provider
Once funding becomes available, you can choose a provider like Golden Point Age Care to deliver the approved services.
What Can a Home Care Package Pay For?
Here are some common services covered under HCP funding:
Personal Care
Bathing, dressing, grooming, and toileting assistance.
Learn more: personal care services at home
Domestic Assistance
Cleaning, laundry, meal preparation, and household support.
Learn more: domestic assistance at home
Respite Care
Short-term support that allows family carers to rest.
Learn more: respite care
Dementia and Memory Care
Specialised support for older adults living with cognitive decline.
Learn more: dementia care at home
Nursing and Clinical Care
Medication management, wound care, and health monitoring.
Learn more: nursing care at home
Transport
Help with shopping, appointments, and social outings.
Learn more: transport services
How Much Does a Home Care Package Provide?
The annual government funding varies by level:
| HCP Level | Approx. Annual Funding |
|---|---|
| Level 1 | ~$10,000 |
| Level 2 | ~$18,000 |
| Level 3 | ~$40,000 |
| Level 4 | ~$60,000 |
Note: Funding amounts change over time — always check My Aged Care for current figures.
How Golden Point Age Care Helps With Home Care Packages
At Golden Point Age Care, we understand how confusing and time-consuming the HCP process can feel. That’s why we help families with:
- Understanding eligibility
- Preparing for ACAT assessments
- Explaining package inclusions
- Developing personalised care plans
- Managing ongoing budgeting and service delivery
Our goal is to make accessing home aged care services across Melbourne as simple and stress-free as possible.
Common Questions About Home Care Packages
How long is the wait?
Anywhere from 3 months to 12 months, depending on your location and urgency level.
Can we get interim support?
Yes — families often use private in-home care while waiting for their package.
Do we need to switch providers to improve support?
Absolutely — you always have the right to change providers if you’re not satisfied.
Final Thoughts: Getting the Right Support for Your Loved One
Navigating Home Care Packages doesn’t need to be stressful. With the right guidance, your loved one can receive personalised support that helps them stay safe, independent, and comfortable at home.
If you need help understanding funding options or would like a personalised assessment, our team is here to assist.
