Finding the right funding support for care can be confusing, especially when comparing government programs like the Home Care Packages (HCP) and the National Disability Insurance Scheme (NDIS). Both are designed to help people live independently at home, but each serves a different group and operates in a unique way.
Understanding how these two systems work can make it easier to access the right services, manage funding, and get the most out of available support.
What Are Home Care Packages?
Home Care Packages are part of Australia’s aged care system, providing government-funded support for seniors aged 65 and above (or 50+ for First Nations Australians). They are designed to help older adults remain at home safely while receiving the assistance they need for daily living.
Funding is allocated based on individual needs and falls under four levels, from basic to high-level care. Services can include domestic assistance, meal preparation, personal care, and social support. Clients work with registered providers who manage the package, coordinate care, and ensure services align with the person’s goals.
To explore what’s included in this program, you can review the aged care services and Home Care Packages offered by Basic Home Care.
What Is the NDIS?
The National Disability Insurance Scheme, or NDIS, supports Australians under 65 who live with a permanent or significant disability. It focuses on improving independence, skills, and community participation through tailored funding plans.
NDIS participants can choose how their funds are managed, including self-managed, plan-managed, or provider-managed options. This flexibility allows individuals to have more control over their services and how their funding is used.
The NDIS can cover a range of supports such as personal care, therapy, assistive technology, and home modifications, depending on assessed needs and goals.
Key Differences Between Home Care Packages and NDIS
Although both programs are government-funded, they cater to different age groups and circumstances. Below is a simple comparison:
| Category | Home Care Packages (HCP) | NDIS |
| Who It’s For | Seniors aged 65+ (50+ for First Nations) | People under 65 with a disability |
| Funding Body | My Aged Care | National Disability Insurance Agency (NDIA) |
| Assessment Process | Aged Care Assessment Team (ACAT) | NDIS Access Request and Functional Assessment |
| Main Focus | Support for daily living and home independence | Skill development and community participation |
| Service Management | Provider-managed | Self, plan, or provider-managed |
| Example Services | Personal care, cleaning, meal prep, transport | Personal care, therapy, equipment, modifications |
This comparison helps clarify who each program is designed for and how their services differ.
Similarities Between Home Care Packages and NDIS
Despite serving different groups, both programs share several goals. They aim to promote independence, improve quality of life, and support people to live comfortably at home.
Both funding options:
- Cover personal and domestic assistance.
- Offer flexible care planning based on assessed needs.
- Allow individuals to choose their preferred providers.
- Encourage self-management and active participation in care decisions.
Eligibility and Assessment Process
Eligibility depends on age, condition, and level of support needed.
For Home Care Packages, applicants must be assessed through My Aged Care. The Aged Care Assessment Team (ACAT) determines the appropriate care level based on health, independence, and living situation.
For the NDIS, applicants complete an access request and provide medical or functional evidence of a permanent disability that impacts daily life. Once approved, participants work with an NDIS planner to design their individual plan.
Understanding the process for each program ensures that applications are accurate, reducing delays in receiving care.
Services Covered Under Each Program
Both HCP and NDIS provide essential support services, though their focus areas vary.
Home Care Packages may include:
- Personal care (showering, dressing, grooming)
- Domestic help (cleaning, laundry, meal preparation)
- Social and community activities
- Transport to appointments
- Minor home maintenance
NDIS services can include:
- Daily personal care and assistance
- Therapeutic supports such as physiotherapy and occupational therapy
- Assistive technology and mobility aids
- Home modifications for accessibility
- Support for education, employment, and community involvement
Funding Management and Flexibility
Home Care Packages are typically provider-managed, meaning registered providers handle coordination, budgeting, and reporting. A management fee (usually between 15–25%) is deducted from the total funding to cover administration and care coordination.
NDIS participants have more flexibility, as they can choose from three management options:
- Self-managed – full control over funding and service choices.
- Plan-managed – a plan manager handles finances and invoices.
- NDIA-managed – the government agency pays providers directly.
The right option depends on how much independence and responsibility the participant prefers in managing their care.
Choosing the Right Program for Your Needs
The main deciding factor between HCP and NDIS is age and health condition. Seniors aged 65 and above typically qualify for Home Care Packages, while individuals under 65 with a disability fall under the NDIS.
However, both programs focus on independence and improving quality of life at home. Families unsure about which funding stream applies can consult a registered provider like Basic Home Care to discuss eligibility and care planning.
How Basic Home Care Supports Both Programs
Basic Home Care is proud to support both Home Care Package recipients and NDIS participants across Brisbane, the Gold Coast, and the Sunshine Coast.
Our team provides tailored care plans covering personal care, domestic assistance, transport, and community participation. We also help clients understand funding requirements and coordinate their services for smoother, stress-free care.
With a focus on reliability, compassion, and flexibility, we make sure every client receives support that fits their lifestyle and goals.
Choose the Care Path That Fits Your Needs and Lifestyle
Understanding the difference between Home Care Packages and the NDIS helps you choose the right funding for your situation. Both programs are designed to improve wellbeing, promote independence, and make daily life easier at home.
Whether you or your loved one qualify for aged care funding or NDIS support, Basic Home Care is here to guide you through every step of the process. Reach out today to discuss your options and create a care plan that supports comfort, safety, and quality of life.
