Both options can help people live safely, comfortably and independently at home, but they work in different ways. Understanding the difference between government-funded Support at Home services and private care can help you make an informed choice based on your goals, preferences and circumstances.
What Is Government-Funded Support at Home?
Government-funded in-home care supports older Australians to remain living independently at home. From 1 November 2025, this care is delivered through the Support at Home program, which replaces Home Care Packages. The Commonwealth Home Support Program remains available for people requiring lower levels of support
To access government-funded aged care, you must be assessed through My Aged Care.
Services may include:
- Personal care, such as showering, dressing and grooming
- Domestic assistance, including cleaning, laundry and shopping
- Meal preparation
- Transport to appointments and community activities
- Nursing and allied health services, where approved
Read more about the defined services list with Support at Home
Things to be aware of:
- Waiting times can apply after assessment and approval
- The type and amount of support are based on assessed needs
- Funding rules can limit flexibility and service choice
Learn more about the Support at Home program with Just Better Care
What Is Private In-Home Care?
Private in-home care, also known as self-funded care, lets you pay for care services without waiting for government approval.
Private care also offers:
- Immediate access to support
- Flexible hours, including short-term or ongoing care
- Services tailored to your routines and preferences
- More control over your services and schedule.
Private care services can include:
- Personal care and daily living support
- Companionship and social support
- Post-hospital recovery care
- Overnight or 24-hour care
- Extra services not covered by your assessed government funding
Private care can be used on its own or alongside government-funded care to top up support.
Explore private in-home care with Just Better Care
Government-Funded vs Private In-Home Care: Key Differences
Government-Funded Support at Home
Access: Requires income and in-person assessment and approval through My Aged Care.
Start time: Waiting times may apply for your notice of decision and allocation after assessment and approval.
Flexibility: Services are guided by funding rules and assessed needs.
Costs: Out-of-pocket costs vary depending on your circumstances.
Best suited for: People wanting government-funded support for their care.
Private In-Home Care
Access: No income assessment required — arrange support services directly with your local Just Better Care
Start time: Support can usually begin quickly.
Flexibility: Choose the hours, services and routines that suit you.
Costs: Paid directly by you, with greater control over what you receive.
Best suited for: People who want more choice, extra hours, or immediate support.
How to Decide Which In-Home Care Option Is Best?
When deciding between government-funded support and private care, consider:
- How soon do you need the support in your home?
- Are flexibility and choice important to you?
- If you need additional services not covered by government funding?
- Your financial situation and care goals
Many people choose a combination of both — using government-funded care for core supports and private care for added flexibility, continuity or additional hours. The most important thing is that your care supports independence, dignity and quality of life.
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Your local Just Better Care office can consult with you and your family and arrange in-home support that matches your needs, routines and goals.
