As Australians age, many prefer to maintain independence while accessing the support they need. Self-managed aged care offers a flexible alternative to traditional residential care, allowing individuals to stay in their homes while tailoring services to their unique needs.

With the right planning and resources, self-managed care can provide greater choice, control, and comfort. This guide explores how it works, its benefits, and how to navigate the system effectively.

What Is Self-Managed Aged Care?

Self-managed aged care enables older Australians to direct their own care services while receiving government funding through programs like:

  • Home Care Packages (HCP) – Provides funding for in-home support

  • Commonwealth Home Support Programme (CHSP) – Covers basic care needs

Unlike provider-managed care, where an organisation arranges services, self-management allows individuals to:

  • Choose their own caregivers (including family members)

  • Negotiate rates and schedules

  • Decide which services they need (e.g., nursing, cleaning, transport)

This model works best for those who want personalised care while staying in their own homes. For more information, visit the PlanCare 

Benefits of Self-Managed Aged Care

1. Greater Flexibility & Choice

  • Hire preferred support workers (even friends or family)

  • Adjust care plans as needs change

  • Schedule services at convenient times

2. Better Value for Money

  • Avoid provider administration fees

  • Allocate funds where they're needed most

  • Pay only for services used

3. Increased Independence & Comfort

  • Remain in a familiar home environment

  • Maintain daily routines

  • Personalise care to match lifestyle

4. Stronger Family Involvement

  • Family members can be paid carers (under certain conditions)

  • Loved ones stay closely involved in care decisions

How to Set Up Self-Managed Aged Care

Step 1: Assess Eligibility

  • Check if you qualify for a Home Care Package (Levels 1-4) or CHSP

  • My Aged Care (myagedcare.gov.au) conducts free assessments

Step 2: Choose a Self-Management Option

  • Full Self-Management – You handle everything (hiring, payroll, compliance)

  • Partial Self-Management – A provider assists with admin while you choose services

Step 3: Plan Your Care Services

  • Common self-managed services include:

    Nursing & allied health (physio, podiatry
  • Personal care (bathing, dressing)
  • Meal preparation & diet support
  • Home modifications (ramps, railings)
  • Transport for appointments

Step 4: Manage Your Budget

  • Track spending to stay within funding limits

  • Compare service costs to maximise value

Step 5: Review & Adjust

  • Regularly assess whether care needs have changed

  • Update your plan as required

Challenges & Considerations

While self-management offers freedom, it also requires:

  • Time & effort – Managing payroll, insurance, and compliance

  • Record-keeping – Tracking expenses and care logs

  • Backup planning – Ensuring care continues if a worker is unavailable

Some seniors prefer hybrid models, where a provider handles admin while they retain control over services.

Is Self-Managed Care Right for You?

Self-managed aged care suits those who:

Want control over their care decisions

Have family or friends who can help coordinate

Are comfortable managing budgets and paperwork

For those who prefer less responsibility, traditional provider-managed care may be easier.

Getting Started with Self-Managed Care

If you're considering self-management:

  1. Contact My Aged Care for an assessment

  2. Research funding options (HCP vs. CHSP)

  3. Explore support networks for advice

For personalised guidance on aged care planning, visit PlanCare to explore your options.

Final Thoughts

Self-managed aged care empowers Australians to age on their own terms. With careful planning, it can provide the perfect balance of independence and support.