Understanding Funding and Costs Under Support at Home
As the new Support at Home program begins on 1 July 2025, many clients and families are asking, “How will my services be funded, and what will I need to contribute?”
This article explains how your funding is determined, what costs to expect, and how Catholic Homes supports you with clarity and care.
How is the funding determined?
When you are assessed for support at home, you’ll be placed into one of eight funding classifications. Each classification is associated with a quarterly budget, updated every three months, based on your assessed care needs.
Your budget will cover the cost of your approved services, and you’ll receive a funding statement to help you track your usage. Any unspent funds (up to $1,000 or 10% of your quarterly amount) can be rolled over into the next quarter.
What are the eight funding levels?
While the exact funding amounts may vary slightly depending on individual needs and government updates, here’s a general breakdown:
| Level | Estimated Annual Funding | Supports Typically Covered |
| Level 1 | ~$3,000–$6,000 | Basic services like light cleaning or social support |
| Level 2 | ~$6,000–$12,000 | Occasional personal care or home maintenance |
| Level 3 | ~$12,000–$20,000 | Regular support for independence and transport |
| Level 4 | ~$20,000–$30,000 | Personal care and allied health services |
| Level 5 | ~$30,000–$40,000 | A mix of clinical and non-clinical services |
| Level 6 | ~$40,000–$50,000 | More intensive care needs and ongoing support |
| Level 7 | ~$50,000–$65,000 | High-level assistance and multiple service types |
| Level 8 | Up to $78,000 | Complex care coordination and frequent support across service categories |
What will you need to contribute to the cost of your Home Care services?
Your personal contribution will depend on your income, assets, and the types of services you access.
Here is a breakdown
Clinical Care – Fully Funded
The government fully covers services such as nursing, physiotherapy, or continence support, with no contribution required from you. This ensures that everyone can access essential healthcare when needed.
Independence Services – Moderate Contribution
These services help maintain your independence at home. They include personal care such as showering and dressing, as well as some aids or equipment provided under the Assistive Technology and Home Modifications Scheme.
Everyday Living Services – Higher Contribution
Services such as house cleaning, gardening, shopping, and meal preparation fall under this category. As these types of support are considered general day-to-day assistance, you’ll contribute a higher percentage.
Your contribution is means-tested by Services Australia and is set as a percentage of the price of each service, ensuring it’s tailored to your financial situation and remains fair and affordable.
| Clinical Care | Independence | Everyday Living | |
| Full pensioner | 0% | 5% | 17.5% |
| Part pensioner | 0% | 5% – 50%* | 17.5% – 80%* |
| Self-funded retiree with Commonwealth Seniors Health Card | 0% | 5% – 50%* | 17.5% – 80%* |
| Self-funded retiree and not eligible for a Commonwealth Seniors Health Card | 0% | 50% | 80% |
*Based on an income and asset assessment.
How does the Assistive Technology & Home Modifications Scheme Work?
If you’re assessed as needing home modifications or assistive devices (like ramps, rails, or specialised equipment), you’ll receive a separate funding amount, not part of your quarterly care budget.
- Up to $15,000 for assistive technology and home modifications (e.g. mobility aids, ramps, handrails).
- Restorative Package
- Up to $25,000 for end-of-life care support to help individuals remain at home in their final months.
This funding is available for an extended period and is designed to help you maintain your safety and independence in your home. Depending on the level of support needed, you may be asked to contribute a small portion of the cost.
What is Care Management?
Care isn’t just about tasks; it’s about thoughtful planning, coordination, and support that helps you live well.
Under Support at Home, 10% of your quarterly budget will be allocated to care management, which covers:
- Developing your personalised care plan
- Coordinating your services and support workers
- Ongoing check-ins to ensure your care remains aligned with your needs
We’re Here to Help
Navigating funding and fees can feel complex, but you’re never alone. Your Catholic Homes Care Case Manager is here to explain your options, help you maximise your budget, and support you every step of the way.
If you need help, please complete the form below, and we will contact you.
For more information about participant contributions, you can also visit the Australian Government website www.health.gov.au/support-at-home-participant-contributions
