Skip to main content
Comparing CHSP and HCP: What’s Right for You?

Comparing CHSP and HCP: What’s Right for You?

Understanding the differences between various government-funded home care programs can be challenging. To help you decide which option is best for you or your loved one, we’ll compare the Commonwealth Home Support Program (CHSP) and Home Care Packages (HCP).

Commonwealth Home Support Program (CHSP):

Introduced in July 2015, the CHSP is the first step in the Commonwealth aged care system. It provides minimal funding for older Australians needing basic help to live safely at home. The CHSP is not means-tested, but you will need to contribute a small amount financially, with the government covering the rest. Services are delivered via a care plan, typically a few hours per week.

Eligibility for CHSP:

  • Aged 65 years or older (50 years or older for Aboriginal or Torres Strait Islander people)
  • Aged 50 years or older (45 years or older for Aboriginal and Torres Strait Islander people) and on a low income, homeless, or at risk of homelessness

Home Care Packages (HCP):

HCPs provide a more comprehensive level of support in the aged care system. They offer coordinated services to help you stay at home longer, with four levels of care ranging from basic to high needs. An assessment by the Aged Care Assessment Team (ACAT) is required. Post-assessment, you’ll receive a letter detailing your approval status and the level of care needed.

HCP Flexibility:

Once approved, you can select a provider like Home Care Assistance Central Coast to create a personalised care plan. This plan may include help with bathing, cleaning, shopping, and attending social events. Due to high demand, there is often a waiting list for HCPs, but CHSP funding can be used while you wait.

Distinguishing CHSP from HCP:

The key difference lies in the level and duration of support. CHSP is suitable for those needing minimal assistance, whereas HCPs cater to more complex, ongoing care needs.

Accessing CHSP and HCP Together:

While generally, you shouldn’t receive both CHSP and HCP funding simultaneously, there are exceptions:

  • If on a Level 1 or 2 HCP with a fully allocated budget, short-term Allied Health and Therapy or Nursing services from CHSP can be accessed.
  • If your carer needs respite and you’re on a Level 1 to 4 HCP with a fully allocated budget, additional respite services are available under CHSP.
  • In emergencies or if your carer cannot continue, and you’re on a Level 1 to 4 HCP with a fully allocated budget, extra services can be provided by CHSP on a short-term basis.
  • If awaiting a higher-level HCP (Level 3 or 4) and currently on an interim Level 1 or 2 package with a fully allocated budget, additional home modifications can be accessed from CHSP.

Navigating these options can be complex. Home Care Assistance Central Coast is here to help. Contact us today for assistance with the application process and to manage your home care needs effectively.

Let us help you

Home Care Assistance Central Coast can help. Call Our Local Team today for your complimentary in-home assessment.

Call Your Central Coast NSW Team

Contact the team at Home Care Assistance Central Coast anytime
(02) 4314 7111 or by email at

Very happy with this Company looking after my Home Care Package. Very friendly staff and always available to arrange things. Also the home care and help in garden is excellent and I couldn't do... without more
Great team
Home Care Assistance run by Jeremy and Samantha, a lovely couple with a caring attitude and a family themselves. After bringing my Mum to Sydney and needing expert help immediately I found HCA online... and liked their story. As soon as they walked in our door, we knew we were safe. I liked the fact that there was direct contact with the owners and nothing was too much trouble. The carers selected for Mum were perfect for her and very capable. Unfortunately Mum has had to move to a nursing home now but I would happily recommend this wonderful business to anyone with aged care more
As We are the Family With kid experienced to stay by this agent, I can not recommend this company enough. They genuinely care for their clients, whenever I asked for help a person I contact with... always try her best to help that I most thankful for more
Jeremy is a really good man, he has fantastic family values and cares for everyone. I would definitely recommend Health Care Assistance to help you and your family
This is the best home care company in Australia !
As a former employee of this company working in the office and as a Carer, I cannot recommend this company enough. They genuinely care for their clients and employees. I loved working there with... Jeremy and his staff, but unfortunately had to leave due to relocation. I would not hesitate to recommend HCA Syd East to all clients who are aged and/or with disabilities to engage this service provider for all their vital services to enable you to live and enjoy staying in your own home and to be as independent as possible. Jeremy and his staff really listen to your needs, goals and aspirations and do their very best to match you up with a compatible and suitably qualified Carer. Nothing is too much more