Understanding Aged Care spending
For both the old Home Care Package and now with the new Support at Home program, it’s essential to understand what you could before, and can now, spend your funding on.
Funding design
These packages are specifically tailored to help seniors maintain their independence and quality of life while remaining at home for as long as possible.
Funding is designed to support a range of services aimed at improving your health and independence. Whether you need assistance with daily tasks, medical support, or home modifications, knowing how to allocate your package can ensure you get the most out of the services available.
So, what has changed?
Although the Support at Home program replaced the Home Care Packages (HCP) program in November 2025, the types of services you can receive are very similar.
The biggest differences are how services are organised, what can be purchased, and how funding is managed, not the basic care itself.
What could you spend your Home Care Package on?
The Home Care Packages (HCP) program ended on 1 November 2025 and has been replaced by Support at Home. If you’re looking at information about Home Care Packages, it’s helpful to know that while many services continue under the new program, some funding rules have changed.
What can’t you spend your Package on?
There was, and still are, some spending restrictions.
Not covered:
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Day-to-day living expenses such as rent, groceries, or utility bills.
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Services already covered by Medicare or private health insurance.
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Entertainment or leisure activities unrelated to your care needs.
Maximising your funding – then and now
Understanding how to spend your home care package funds effectively is key to getting the most out of your package.
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Work with your care provider to conduct a thorough assessment of your current and future care needs.
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Select an approved provider who can deliver the specific care and services you require. Compare providers based on reputation, pricing, flexibility, and the level of extra support they offer.
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Develop a plan that aligns with your lifestyle and goals. This ensures your funds are used efficiently to support your needs.
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As your circumstances change, reassess your plan to ensure it continues to meet your needs. If necessary, apply for a higher level of package through ACAT.
Frequently Asked Questions
Can i change my aged care provider?
Yes, you can switch providers if you are dissatisfied with the services. Any unspent funds will transfer to your new provider.
How long does it take to receive a aged care package?
Wait times vary depending on demand and your level of support needs. Interim support may be available through the Commonwealth Home Support Program.
What happens if i don't use all my funds?
Unspent funds (up to 10% or $1,000 per quarter – whichever is the greater) can remain in your package and can be used in the future, but as big ticket items are now funded separately, most people now prefer to maximise their budget on services.
Can i buy a TV with my aged care package?
Your Home Care Package funds are intended to be used for services and items that are directly related to your care. Household appliances like a TV are not eligible for purchase with these funds.
Can i buy a computer with my aged care package?
Electronic devices such as laptops, computers, and phones cannot be purchased using Home Care Package funds. Additionally, telephone and internet connection costs are not covered.
Can I buy a fridge with my aged care package?
While typical household purchases, such as a fridge, are not generally covered by Home Care Package funding, exceptions may apply. If a fridge is necessary for storing medications or managing specific dietary needs related to a health condition, it may be considered a health-related expense. It’s important to consult with your care provider to determine whether this type of purchase can be included in your care plan.
We are here to help
If you need help, contact My Guardian for personalised support. As an approved My Aged Care provider, we are here to guide you through the process, answer any questions, and help you understand your care options. Visit our Contact Us page, email us at services@myguardian.com.au, or call 02 9336 7555 to connect with one of our friendly professionals today.
