Understanding funding options

There are many government programs that provide funding for in-home care. Each program has different rules about the services that can be funded and who can access them, and some funding is only available in certain areas. It can be a difficult system to navigate, but we are here to help. We have outlined some of the more well-known funding programs to help you learn the terminology and get started on your home care journey. Remember, you don’t need to understand them all. Give us a call at any time and we will help you find out if there is a funding program to suit your needs.

Home Care Packages

Many older Australians are eligible for funding for services through a Home Care Package. A Home Care Package is a government-subsidised funding package for in-home care.

Learn more about Home Care Packages

Commonwealth Home Support Programme

The Commonwealth Home Support Programme (CHSP) is a government funding program that provides small amounts of services for many people. CHSP funded programs are designed for people who only need a little bit of help to stay safe and independent at home, such as assistance with cleaning once a fortnight.

If you need more than one type of service or you need services every week — for example, help to clean your house and get your groceries, then the Home Care Package program is likely to be more suitable for you.

There is no income assessment required to access CHSP-funded services. You do not need to have an Aged Care Assessment. Depending on the program and the service provider, you may be asked to make a contribution to the costs of your service.

You can access CHSP by following these three steps:

  1. Call My Aged Care — 1800 200 422. If you meet the government eligibility criteria for CHSP services you will be referred to your local Regional Assessment Service.
  2. The Regional Assessment Service will conduct an interview with you, usually over the phone. They will then refer you to a local service provider.
  3. You can nominate Mercy Health to be your preferred service provider at any time when you are talking with My Aged Care staff or the Regional Assessment Service.

We have a number of programs funded through the CHSP. These operate in:

  • Melbourne metropolitan
  • Regional Victoria (Colac, Geelong and Shepparton)
  • Regional New South Wales (Albury and Young and the surrounding districts)
  • Australian Capital Territory.

The rules for each program vary, so call 1300 478 776 and we can identify if CHSP is a good option for you.

Veterans’ Home Care

The Veterans’ Home Care (VHC) program provides low-level home care services to eligible veterans and war widows and widowers.

You or your family can contact a VHC Assessment Agency by calling 1300 550 450 to arrange an assessment to access VHC if you are an eligible Veteran. The VHC Assessment Agency can also provide you with information about VHC services and eligibility. Calls should be made from a landline telephone, as calls from mobile phones cannot be connected.

We have a contract with the Department of Veterans’ Affairs to provide VHC services. You can nominate Mercy Health as your preferred service provider when the VHC Assessment Agency conducts your telephone assessment.

You can find out more about the VHC program on the Department of Veterans’ Affairs website.

Department of Veterans’ Affairs Community Nursing Program

The Department of Veterans’ Affairs (DVA) funds a range of healthcare and related services — including community nursing for veterans, war widows and widowers (entitled persons).

The DVA Community Nursing Program provides home community nursing services for entitled persons to meet their assessed clinical and personal care needs. You require a doctor’s referral for the DVA Community Nursing Program, or you may be referred to the program by a hospital discharge planner. If you are already receiving VHC services (as outlined above), your current service provider can organise a referral to this program.

Mercy Health is an approved provider of the DVA Community Nursing services in the following regions:

  • Melbourne metropolitan
  • the Barwon region in Victoria (Colac and Geelong)
  • Australian Capital Territory.

You can nominate Mercy Health as your preferred provider when your doctor or hospital completes the referral to the DVA.

Information on all of the DVA services, including the Department of Veterans’ Affairs Community Nursing program, can be found here on their website.

National Disability Insurance Scheme

You can participate in the National Disability Insurance Scheme (NDIS) if you are a person with disability, meet NDIS requirements and live in an area where the scheme has been launched.

Checking the NDIS website is a good place to start. You can check if the NDIS is currently active where you live, or when it is planned to launch in your area.

Mercy Health is a registered provider of disability support in the following regions:

  • Melbourne metropolitan
  • the Barwon region in Victoria (Colac and Geelong)
  • Regional New South Wales (Albury and Young and the surrounding districts)
  • Australian Capital Territory.

State-funded disability support programs

If you live in an area where the NDIS has not yet been implemented, you can still engage with existing Australian and state and territory government disability services for your support needs.

To find a state government disability service near you, check this NDIS resource.

Self-funded options

A relatively small investment could mean the difference between staying in your own home or having to consider more permanent options such as residential aged care.

All of our services can be purchased with your own money. You do not need to wait for a government program to be available to get help or support. You can also use your own money to purchase additional services if you have reached the funding limit for your government-subsidised care, but you would like more support to keep you comfortable and safe at home.

Mercy Health can help you find the best funding option to meet your needs. Give us a call on 1300 478 776. We are always happy to have an open and honest discussion about the cost of in-home care and services.

Our fees reflect the quality of our service. We are not the cheapest and we are certainly not the most expensive service provider. We are committed to being transparent in our fee structures and we stand by our value for money and quality of care.

Last reviewed January 15, 2018.

Home care packages

A Home Care Package is designed to keep you confident and comfortable in your own home. Learn what a Home Care Package is, how to access one, and how it can keep you independent.

Home care packages

Consumer Directed Care (CDC)

Learn about Consumer Directed Care, a government initiative designed to help you get the most out of your Home Care Package.

Consumer Directed Care (CDC)

My Aged Care made easy

If you are looking for some extra support at home for yourself or a loved one, this page contains all the information you need.

My Aged Care made easy

Check if we offer services in your area.

Yes, we can provide services in your home.

Your local care team can offer more information to keep you safe and independent at home.

Contact your care team