HEALTH AND HOME CARE COSTS AND HOW THEY ARE PAID FOR CAN BE CONFUSING. WHEN YOU ARE IN TREATMENT OR RECOVERING, THE LAST THING YOU WANT FOR YOURSELF, OR YOUR FAMILY IS THE STRESS OF MANAGING THE COSTS OF YOUR CARE.
However, the financial benefits of in-home care over hospital or residential care can be significant, depending on your circumstances. There may be subsidies, publicly funded services or insurance benefits you are entitled to, of which you are unaware.
That’s where Vitalis can support you. We will work with you to help manage your health and home care costs, speak to your insurer, identify and take advantage of any subsidies that may be available to you, and create a plan that meets your individual needs and fits into your budget.
Vitalis works with a network of leading specialist aged care financial planners who can help you structure your finances, develop a strategy, and put the pieces in place to optimise your in-home care costs.
Insurers & Public Health
PATIENTS WITH PRIVATE HEALTH INSURANCE OR WORKERS COMPENSATION INSURANCE MAY HAVE THEIR CARE FUNDED BY THEIR INSURER, OR CARE MAY BE FUNDED THROUGH THE PUBLIC HEALTH SYSTEM.
We work with health insurers, workers compensation insurers and with public health to provide our services to patients in the Sydney Metropolitan Area, and in many cases, with no out-of-pocket expenses to you.
Please contact us to find out if your insurer will support your in-home care.
Government subsidised home care packages
OLDER AUSTRALIANS MAY BE ELIGIBLE FOR GOVERNMENT SUBSIDISED HOME CARE PACKAGES. THESE CAN BE USED FOR A RANGE OF PRODUCTS, SERVICES AND CARE SOLUTIONS. HOME CARE PACKAGES ARE INCOME-TESTED. PEOPLE ON HIGHER INCOMES MAY BE ASKED TO CONTRIBUTE MORE TOWARDS THE COST OF THEIR HOME CARE PACKAGE, UP TO A MAXIMUM LIFETIME CONTRIBUTION.
To determine your eligibility for a Home Care Package you need to be assessed by the Aged Care Assessment Team (ACAT) to assess the appropriate level of support you may need. We can help you with this.
The government offers four package levels. Once assessed, eligible recipients are placed in a prioritised waitlist (called the ‘national queue’) until funding is allocated for their package. It some cases, eligible recipients may be offered an interim lower-level package while they wait for funding to be allocated for their higher-level package.
ONCE YOU RECEIVE NOTIFICATION THAT YOUR PACKAGE HAS BEEN FUNDED, YOU CAN THEN CHOOSE WHICH ORGANISATION YOU WISH TO MANAGE YOUR FUNDING AND YOUR CARE. MAKE SURE THE ORGANISATION YOU CHOOSE CAN PROVIDE THE QUALITY OF CARE YOU ARE LOOKING FOR WITHOUT CHARGING HEFTY FEES FOR DOING SO.
We believe you shouldn’t be paying more than 15% of your total package in any sort of fees. If you’re being asked to do so please call us to compare. We take pride in making sure our home care clients get the maximum number of subsidised hours of care per week possible!
CLIENTS OFTEN ACCESS PRIVATE CARE WHILE WAITING FOR THEIR HOME CARE PACKAGE TO BE ASSIGNED (THIS CAN TAKE MONTHS), AND CONTINUE TOPPING UP THEIR SUBSIDISED SERVICES WITH PRIVATE CARE IF THE SUBSIDY DOESN'T QUITE COVER ALL OF THE CARE THEY WOULD PREFER TO RECEIVE.
If you have been allocated a package and are not sure what to do, or have any questions about how home care works, please contact us and we can help you navigate through the health system and get the best result for you.
ULTIMATELY YOU ARE RESPONSIBLE FOR THE COSTS OF YOUR IN-HOME CARE SERVICES, WHETHER OR NOT THERE IS REIMBURSEMENT FROM OTHER SOURCES.
If you do not wish to engage with government funding at all, or are not privately insured, you can privately fund your care.
We work with lawyers, trustees and guardians to ensure the account we send are accurate and manageable.