Home Care Funding in Australia: Government and Privately Funded Options

Planning for home care can feel overwhelming, especially when navigating funding options and government programs. The good news? There are several pathways to accessing in-home care. Here’s a brief overview.

July 7, 2026

Planning for home care can feel overwhelming, especially when navigating funding options and government programs. The good news? There are several pathways to access in-home care. Here’s a brief overview.

Client receiving Support at Home Services from carer

Government-Funded Care

The Australian Government has multiple funding programs, including:

Support at Home – Provides funding for care services, assistive technology, and home modifications for Australians over 65 who want to remain living independently at home.

Commonwealth Home Support Programme – An entry-level program that provides subsidised support services, such as domestic assistance, personal care, transport, and social support, to help older Australians live independently and safely in their own homes for longer.

Veterans’ Home Care – A Department of Veterans’ Affairs program that provides eligible veterans, war widows, and widowers with in-home support services to help them remain independent at home.

National Disability Insurance Scheme – A government program that provides funding and support to eligible people with permanent and significant disabilities, helping them access services and achieve greater independence and participation in everyday life.

Other In-Home Care Funding Options

While government funding helps many families, it’s not the only solution. In fact, privately funded care can be the preferred choice for those who want more control, flexibility, and premium services.

Private Care options include:

Private Home Care Services: Available immediately, with full flexibility and tailored support. At Prestige Inhome Care, we offer a full suite of services to help you maintain your independence at home, including support from hourly visits to 24/7 live-in care.

Self-Funded Care: Families can pay out-of-pocket for tailored services, often with flexible arrangements.

Health Insurance: Some policies may cover limited home care or rehabilitation services.

Community Grants & Local Programs: Check for state or local subsidies that may apply in your area.

Your In-Home Care Journey

The aged care system can feel overwhelming, but proactive planning gives families more control. Explore your funding options and partner with experienced providers like Prestige Inhome Care to make the journey as smooth as possible.

To take the first step toward in-home care – call Prestige Inhome Care today on 1300 10 30 10 for a free consultation.

Or learn more about how Prestige Inhome Care can support your aged care journey by visiting www.prestigeinhomecare.com.au .