Funding Options For In‑home Care.
Supporting you to live safely, comfortably, and independently at home.
As you age, the type of support you need may change—and so can the way your care is funded.
Whether you’re just starting to explore in‑home care or you’re already receiving services, understanding your funding options can make the journey feel much easier. You can choose to pay for services privately, or you may be eligible for government‑subsidised support through My Aged Care. Your age, the level of support you require, and your financial circumstances all help determine which pathway is right for you.
Below, we’ve broken down the available options to fund your in‑home care.
Entry level support for people who need occasional or lower intensity help to stay independent at home.
Entry-level support for people who need occasional or lower intensity help to stay independent at home. Depending on your assessment outcome, CHSP may be an option to provide entry-level support to help you live safely and independently at home. CHSP is designed for people with basic support needs and can be accessed without being eligible for other aged care programs.
What it offers:
- Entry‑level services such as cleaning, personal care, transport, and social support
- Quick access to essential assistance to support day-to-day living
- A focus on maintaining independence and confidence at home
A comprehensive government program providing ongoing support.
A comprehensive government program providing ongoing support. The Support at Home Program is the Australian Government’s primary funding pathway for people who need regular, coordinated in‑home care.
- Quarterly funding to support your care needs
- A wide range of services aligned with the approvals in your My Aged Care Support Plan
- Flexibility to adjust your supports, or be reviewed for a higher level of support, as your needs change
- Access through a My Aged Care assessment and our team can guide you through every step
Flexible, immediate support—no waiting required.
If you prefer to get started straight away or want services that sit outside government programs, self‑funded care gives you complete choice and control.
What it offers:
- Begin services immediately, without My Aged Care assessments or wait times
- Choose exactly the type and amount of support you want
- A perfect option while exploring government funding
- Full flexibility to adjust your services at any time
Refer someone for support and our team will get in touch to guide them through their aged care options.
Where Are You in Your Aged Care Funding Journey?
I am seeking home care support
If you’re just starting out, our team can help you understand the My Aged Care process and support you in applying for in‑home care.
I have been assessed & waiting
If you’ve already been assessed, we can answer your questions and help you understand what happens next.
I have a new aged care package.
If you’ve received funding, we’ll work with you to create a personalised Care Plan that supports you to live life on your terms.
I am looking to change service providers.
If you’re considering changing providers, we make the transition simple. Enjoy the benefits of switching to Cura Aged Care.
Exploring Your Funding Options.
If you’re unsure where to begin, feel overwhelmed, or simply want to understand what support is available, our team is here to help. We have deep experience navigating the My Aged Care system and can guide you with clarity and care.
FAQ's.
What is the difference between the Support at Home program and CHSP?
The Support at Home program provides ongoing, coordinated support for people who need regular, coordinated complex or high-level assistance to remain independent at home. CHSP offers entry‑level, low-intensity assistance for those who only need a little support or are waiting for longer‑term funding. Many people start with CHSP and transition to Support at Home when their needs increase.
How do I know if I’m eligible for government‑funded care?
You may be eligible for government‑funded aged care if you live in Australia and need support with everyday tasks due to health, mobility, or age‑related changes. Eligibility generally applies if you are:
- 65 years or over (or 50 years or over for Aboriginal and/or Torres Strait Islander people), or
- 50 years or over (or 45 years or over for Aboriginal and/or Torres Strait Islander people) and considered frail or prematurely aged, have a low income, and are experiencing circumstances such as:
- homelessness, or
- living with hoarding behaviour (as defined by the Department of Health and Aged Care).
Eligibility is confirmed through a My Aged Care assessment, which considers your age, health, support needs, living situation, and personal circumstances. If you’re unsure where to start, our team can guide you through the process and help you prepare for your assessment.
Tip: Use the Eligibility Checker on the My Aged Care website — try the quick “Should I Apply?” tool to see if an assessment may be right for you.
How do I apply for government assistance?
You can apply for government‑subsidised aged care assistance through My Aged Care. You must register with My Aged Care, either online at the My Aged Care website or by calling them on 1800 200 422. The process involves creating a My Aged Care account, completing a short screening, and booking an in‑home or phone assessment. If deemed eligible, you will be referred to a Single Assessment Service and assessed using the Integrated Assessment Tool. This will determine your level of funded support.
If this feels overwhelming, we can support you step‑by‑step — from setting up your account to preparing for your assessment and understanding your results.
Tip: Ensure you have your Medicare card handy at the time of registration.
How long does it take to receive funding?
Timeframes vary depending on your level of need and national waitlists. CHSP services can often begin quickly, while Support at Home funding may take longer. Funding for Support at Home, typically takes from a few weeks to over a year, heavily dependent on your priority level. While you wait, you can also choose to start self‑funded services, so you receive support straight away.
Can I use self‑funded services while I wait for government funding?
Yes, you can absolutely use self-funded (private) services while waiting for a government-funded package. Many people choose to begin with self‑funded care so they can receive support immediately. Once your government funding is approved, we can help transition your services smoothly.
I’m not eligible for government funding — can I still get in‑home care services from Cura Aged Care?
Absolutely, you do not need government funding to receive support from us. Our self‑funded services allow you to choose the type and amount of care you want, with complete flexibility and no waiting periods. You can pay for services directly, which is often done while waiting for funding or if you do not meet government criteria. You can start as soon as you’re ready.
What are my options if I need urgent care, but my package funding isn’t available yet?
If you need support urgently but your package is not yet active, you can begin with self‑funded services straight away. This ensures you receive the help you need while waiting for your government funding to be assigned. We can also help you access CHSP services if you’re eligible, which may offer quicker, short‑term assistance. In situations where your needs are high‑priority, we can support you in requesting an expedited assessment through My Aged Care.
What happens if my needs change over time?
Whether you need more support, different services, or a review of your funding, we’ll work with you to ensure your care continues to align with your goals and wellbeing. If your needs change, we can can request a support plan review on your behalf or a full reassessment through My Aged Care to make sure your funding and services reflect your current situation.
Want Support Navigating Your Funding Options?
Reach out and let’s begin together.