Home Care Package Fees
Everything You Need to Know
At Lumia Care, we believe in transparent, fair pricing so you can make the most of your Home Care Package (HCP) funding. While the government funds most of your package, you may need to contribute depending on your financial situation. Below, we explain the different types of fees that could apply and how Lumia Care helps you get the best value for your care.
Understanding Your Home Care Package Budget & Fees
Your Home Care Package is mostly funded by the government, but depending on your financial situation, you may need to contribute toward the cost of your care.
What Makes Up Your Home Care Package Budget?
✔ Government Contribution – This includes the Home Care Package subsidy and any additional supplements if eligible.
✔ Your Contribution (if required):
Basic Daily Fee – Many providers charge this, which reduces the amount of funding available for your care. At Lumia Care, we do not charge a Basic Daily Fee, ensuring more of your package funds go directly toward your services.
Income-Tested Care Fee – If Services Australia determines that you can contribute based on your income, you may be required to pay an income-tested care fee. This amount varies depending on your financial situation.
Additional Fees – Any extra services you choose to pay for beyond your funded care plan, such as private services or additional hours of care.
Your total budget covers all services, provider costs, care coordination, and management.
Want to understand exactly what you may need to contribute?
Use the My Aged Care Fee Estimator or contact Lumia Care for personalised guidance.
For a detailed breakdown of costs, visit My Aged Care’s cost and fees page.
Government subsidies are reviewed every year on 1 July.
If you are required to pay an income-tested care fee, this amount will be deducted from the government subsidy.
Lumia Care’s Low 15% Fees – More Care, Less Fees
At Lumia Care, we only charge 15% in management fees (combined), which is significantly lower than many other providers. This means more of your Home Care Package funding goes directly toward your care and support.
If you self-manage your or your loved one’s package, there are zero fees.
Fully managed services attract fees that is deducted from your package total. There are two main components to our costs:
These cover your dedicated Home Care Package Coordinator and the service they provide. Including but not limited to :
✔ Creation and reviewing of an individualised Care Plan.
✔ Creation and reviewing of an individualised budget.
✔ Regular contact via phone and face to face visits.
✔ Safety and risk assessments and monitoring of your overall health and wellbeing.
Below is a breakdown of how much annual funding will be available to you after care management and package management fees are deducted at Lumia Care’s low introductory rates:
With our 15 % offer:
With Lumia Care’s lower management fees, you get more care hours per week. To see our hourly service rates and a full breakdown of costs, click here.
Why Choose Lumia Care?
At Lumia Care, we manage your Home Care Package to ensure you get the best value, more care hours, and expert support—without hidden fees or unnecessary costs. Unlike many providers, we do not charge a Basic Daily Fee, meaning more of your funding goes directly toward your care.
We provide:
Expertly Managed Home Care Packages
with Registered Nurse oversight
Hassle-free Coordination
of services, budgeting, and compliance
Personalised Care Plans
tailored to your needs and lifestyle
Seamless Provider Switching
if you’re unhappy with your current provider
Want to learn more?
Visit our What is a Home Care Package? page for a full breakdown of our services and benefits.
Not sure what level of support you need?
Explore the different Home Care Package Levels to find the right option for you.
