Fees and funding

When accessing aged care services, there are a range of fees and charges that may be applicable depending on your personal circumstances and the services you require. The government funds much of the cost of aged care services in Australia, however care recipients will be expected contribute towards the cost of their care if they can afford to do so.

Residential Care

When accessing residential aged care services, you may need to pay fees for your care, any additional services, as well as an accommodation payment or contribution.

Please note the fees you are required to pay for your care are set by and paid to the Department of Human Services, and they will notify you of what these fees will be.

This fee is applicable to all residents (including those in respite care) and is set by the Department of Human Services at 85% of the full basic single age pension. This fee is a contribution to cover the costs of daily living. The Department of Human Services will send you a letter to advise you of your basic daily fee.

These fees are reviewed each March and September in line with reviews to the aged care pension. Updated fee information is available from the Room Descriptors and Pricing section for each residence on this website.

This fee is an additional contribution to the cost of your care that some people will need to pay depending on their personal circumstances.The means-tested care fee is determined by the Department of Human Services (DHS) or the Department of Veterans' Affairs (DVA) and is based on an assessment of your assets and income. The assessment is done via an Income and Assets Assessment Form that is completed and lodged with Centrelink. DHS or DVA will then send you a letter to advise you of what your means-tested fee will be, if applicable.

No daily maximum applies to the mean-tested fee but there are caps on this fee. The annual cap is currently set at $25,939.92 and a lifetime cap is currently set at $62.255.85 (these caps are both indexed each March and September). The maximum fee is paid until a resident reaches the cap in any given year – it will not be averaged out across the year. These caps also include any income-tested fees paid as part of a Home Care Package.

A fee calculator is available on the My Aged Care website that will estimate any means tested fees based on your income and assets.

Download income & assets checklist

BlueCross offers a suite of Additional Services to enhance our residents’ experience by providing more choice, additional comforts and activities. Our Additional Services are provided to complement the exceptional care and standard services provided in line with the Aged Care Act.

The fee varies for each residence and is set based on the additional services available at that residence. These quality extras are provided across the residence; giving everyone (including respite clients) access to the same extended range of benefits to create an inclusive environment.

The fee and what is included for each residence is available on each residence page.

Residents may need to pay an accommodation payment, which is a set amount associated with the specific room they occupy within the residence.

Residents can choose to pay their accommodation payment in one of three ways, by:

1. A refundable deposit (known as a RAD), which is paid as a lump sum upon entry into the aged care residence and is refunded when the resident is discharged, minus any amounts deducted by agreement;

or

2. A daily payment (known as a DAP), which accrues daily and is paid periodically, for example monthly, and is non-refundable. The DAP is equivalent to RAD x MPIR / 365;

or

3. a combination of both, including a partial RAD and daily payments on the outstanding balance of the RAD.

Residents who are partially-supported by the government pay a contribution towards their accommodation payment. This can be paid via the same three methods above, as a partial payment of the lump sum amount (RAC), a daily contribution (DAC), or a combination of the two. The government supplements this with an accommodation contribution on their behalf.

Residents who are determined as fully-supported by the government do not have to pay an accommodation payment.

 

In-home and Community Care

There is a range of funding options available for in-home aged care services. Services can be accessed via government-funded programs or they can be self funded. 

The basic fee for a Home Care Package is up to $139.02 per person per fortnight (from 20 March 2016 to 19 September 2016). This rate increases on 20 March and 20 September each year in line with changes to the Age Pension. This applies to each person receiving a Home Care Package, even if you are a member of a couple.

This fee is an additional contribution to the cost of your care that some people will need to pay depending on their personal circumstances.The income-tested care fee is determined by the Department of Human Services (DHS) or the Department of Veterans' Affairs (DVA) and is based on an assessment of your income. DHS or DVA will then send you a letter to advise you of what your fee will be, if applicable.

No daily maximum applies to the mean-tested fee but there are caps on this fee. Exact thresholds can be found on the Department of Social Services website.

Some government funded packages include Home Care Packages, Department of Veterans’ Affairs’ (DVA) Home Care and DVA Nursing Program. These packages need to be applied for with the relevant department and have associated eligibility requirements.

In-home and community aged care services can also be accessed independently through privately funded programs. The fees will vary from one provider to another and a package of services may be negotiated. Click here for more information on BlueCross Private Services, or call us on 1300 133 414.