If you or a loved one has a Support at Home Package (HCP), knowing exactly what the funds can and can’t be used for is essential. These government-funded packages are designed to help older Australians live independently at home, but there are rules around what’s included — and what’s excluded.
In this guide, we’ll explain what a Home Care Package can be used for including eligible services, common exclusions, the different package levels, and we highlight upcoming changes under the Support at Home Program that started November 2025.
UPDATE 1 NOV 2025 – Download the HHG 1352v8 Support at Home Approved Care and Services (254kb pdf)
Key Takeaways
What types of services can a Support at Home Package pay for?
It can cover services like nursing visits, personal care, household chores, gardening, home maintenance, meal preparation, mobility aids, allied health, home modifications and social support.
What services or items are not covered by a Home Care Package?
Costs such as everyday groceries, general utility bills, non-PBS medications, household appliances (e.g. fridges, TVs), and entertainment expenses are excluded.
How is eligibility determined for a Home Care Package?
Eligibility depends on an ACAT (Aged Care Assessment Team) assessment considering daily living ability, health status, safety, and support needs.
What is the difference between different package levels?
Higher levels (Levels 1 to 4) correspond to progressively greater care needs, with more frequent service visits and broader coverage. In Support at Home there are eight levels of support (Level 1 to 8) corresponding to greater care needs.
What changes are coming from November 2025 that affect Home Care Packages?
The government will replace the existing Home Care Packages with a new “Support at Home” program, which may alter what services are included.
Why is knowing what your package can and can’t cover important?
To avoid misusing funds, to ensure you get all eligible services, and to prevent surprise out-of-pocket costs.
What Services Are Covered by a Home Care Package?
As at November 2025, Home Care Package funds can be used for a wide range of health, personal, and home support services, including:
Health & Nursing Care – nursing visits, wound care, medication management.
Personal Care – help with bathing, dressing, grooming, and mobility.
Domestic Support – cleaning, laundry, meal preparation, and shopping.
Home & Garden – gardening, safety modifications, and essential maintenance.
Allied Health – physiotherapy, podiatry, occupational therapy, dietitian services.
Mobility & Equipment – walking frames, shower chairs, or small assistive devices.
Social Support – transport to appointments, companionship, and community engagement.
Table of Contents
What Services Are Not Covered by a Home Care Package?
Your package cannot be used for:
- Everyday living expenses (rent, mortgage, groceries, utility bills).
- Non-PBS medications and pharmacy items.
- Large household appliances (TVs, fridges, washing machines).
- Leisure or holiday costs.
- Services already subsidised elsewhere by government funding.
Understanding Home Care Package Levels
Level 1 – Basic care needs (short visits each week).
Level 2 – Low-level care needs.
Level 3 – Intermediate care needs.
Level 4 – High-level care needs with more intensive, daily support.
Eligibility & Assessment
Eligibility is determined through an Aged Care Assessment Team (ACAT) assessment, which looks at health, mobility, safety, and daily living ability.
Changes Coming in November 2025 — The Support at Home Program
From November 2025, the Home Care Package program will be replaced by the Support at Home Program, which may change what services are covered and how funding is accessed.
Using Home Care Packages Frequently Asked Questions
Can I use my Home Care Package to buy a TV or fridge?
No, large household appliances are excluded.
Can I use the funds for home modifications like ramps or rails?
Yes, if they support independence and safety at home.
Can my package pay for groceries?
No, everyday living costs such as groceries and bills are not covered.
What happens if I misuse the funds?
The provider may decline the purchase, and you may have to cover the costs yourself.
Conclusion
A Home Care Package can be a valuable support system, but only if you know how to make the most of it. By understanding what is and isn’t covered — and preparing for the 2025 Support at Home changes — you can maximise your funding, stay independent longer, and avoid unexpected costs.
Do You Have Home Care Package questions?
Heather Senior Care is here to answer your questions. Call us to upgrade your current care or begin your support journey.
Our team is available by phone (07) 3720 9122 Monday to Friday (8am–4pm) or by email anytime.
