Commonwealth Home Support Programme vs Home Care Packages

The Commonwealth Home Support Programme and the Home Care Packages Program are two key government initiatives designed to help older Australians live independently in their own homes for as long as they can.

What’s the difference between them? Well, they differ in terms of their scope, funding and the level of care they provide. Let’s break down each program to help you understand which might be the best fit for you.

Commonwealth Home Support Programme (CHSP)

Entry-level support for daily activities

CHSP is designed for older Australians who are mostly independent but require some assistance with everyday tasks. It’s an entry-level program offering subsidised services to help with:

• Household chores – cleaning, laundry and other light housework
• Personal care – assistance with bathing, dressing and grooming
• Meals and food preparation – help with cooking or meal delivery services
• Respite care – short-term relief for primary caregivers
• Home maintenance – basic repairs and garden upkeep
• Transportation – rides to appointments or social activities

Assessment and access

To access CHSP services, you’ll need an assessment by the Regional Assessment Service (RAS). This evaluation determines your eligibility and identifies the types of services you would benefit from.

Cost and funding

While the government subsidises a significant portion of the costs, individuals are expected to contribute if they’re able.

Good to know: The CHSP offers a fixed menu of services with limited flexibility in choosing providers.

Home Care Packages Program

More comprehensive, tailored support

For those with more complex or higher-level care needs, Home Care Packages provide a more comprehensive solution. This program offers four levels of packages, each corresponding to the intensity of care required:

• Level 1: Basic care needs
• Level 2: Low-level care needs
• Level 3: Intermediate care needs
• Level 4: High-level care needs

Personalised care plans

One of the key advantages of Home Care Packages is the ability to develop a personalised care plan tailored to your specific needs and preferences. This includes a broader range of services beyond what’s offered in CHSP, such as:

• Nursing care – medical support like wound care or medication management
• Allied health services – access to physiotherapy, occupational therapy or dietary advice
• Assistive technology – devices or modifications to enhance safety and mobility at home

Flexibility and choice

Home Care Packages are consumer-directed, meaning you have greater flexibility in choosing your service providers and tailoring services to your needs. You work with your chosen provider to decide how to best use the funding allocated to you.

Assessment and eligibility

To access a Home Care Package, you need to be assessed by the Aged Care Assessment Team. This is known as an ACAT Assessment and it’s more comprehensive than the RAS assessment for CHSP.

Cost and funding

Home Care Packages receive a greater government subsidy than CHSP, but the amount depends on the level of the Home Care Package you’re assigned. You may still be required to contribute to the cost, based on your financial situation.

Good to know: Due to high demand, there can be lengthy waiting periods to receive a Home Care Package.

What are the key differences between CHSP and HCP?

• Level of support: CHSP offers entry-level assistance for those needing minimal help, while Home Care Packages cater to individuals requiring more comprehensive and ongoing support.
• Flexibility: Home Care Packages provide greater flexibility and choice in services and providers compared to the more fixed structure of CHSP.
• Funding and control: Home Care Packages receive more funding and allow for personalised care plans. In contrast, CHSP services are generally delivered by specific providers and offer less individual control.

Tips for choosing the right program

• Assess your needs: Consider both your current and future care needs. If you anticipate requiring more extensive support down the line, applying for a Home Care Package might be the best option.
• Understand the costs: While both programs are subsidised, be aware of any out-of-pocket expenses and assess what you can afford.
• Plan ahead: Given potential wait times for Home Care Packages, it’s important to start the application process early if you think you’ll need higher-level support.

Navigating aged care options can be complex, but understanding the distinctions between CHSP and Home Care Packages is a crucial first step in making informed decisions that deliver the best outcomes for your individual needs.

CareAbout can help

Finding an accredited Home Care Package provider is not easy. To help simplify the process, we can match you with a quality provider in Melbourne, Sydney, Brisbane, Canberra, Adelaide and across Australia. Contact us today and get free, no-obligation advice from our expert team of Care Advisers.