Difference between a Home Care Package and an NDIS Plan

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Our requirements change as we age, making it more important than ever to lead a comfortable, satisfying, and healthy existence. In Australia, a number of support systems have been established to enable seniors to enjoy their golden years with dignity, comfort, and the support they require. A couple of crucial options that provide customized support are NDIS plans and home care services in Melbourne.

However, what are these choices precisely, and how are they different? We’ll explain the differences between NDIS plans and home care packages in this post so you may make decisions that suit your own requirements and goals.

Home care packages: Individualized attention made just for you

Envision a situation in which you might take pleasure in the comfortable settings of your own 

house while getting the  customized attention and assistance you need. That’s exactly the goal of a home care service. With a home care package, you can live comfortably and independently in your own home as an older Australian. It is a complete support plan that is customized to meet your specific needs.

Read this blog post about how to get a home care package to find out more about them and how to get help right now.

Home Care package’s features

1. Tailored care plans

Your personalized home care package is designed to meet your unique requirements, tastes, and objectives. Your care plan will be tailored to your specific needs, taking into account your daily activities, medical needs, and social engagement needs.

2. Support for day-to-day tasks

From meal preparation and personal care to housework and transportation, a home care package can include a broad range of services to guarantee your convenience and comfort.

3. Flexibility

Your home care package can be modified to meet your changing needs. This flexibility guarantees that at every point in your trip, you get the appropriate amount of care.

4. Choice and control

One of the best things about home care packages is that they allow you to have the freedom to select the care services you wish to receive as well as your service providers.

5. All-inclusive assistance

A home care package includes a holistic approach to your entire wellness, including nursing care, allied health services, and even mental health support.


Personalized assistance that empowers lives. To provide complete support to those with disabilities who need extra help, the National Disability Insurance Scheme (NDIS) is available. The NDIS Plan offers ndis registered providers that provide vital support to older Australians with disabilities who want to keep their independence, even though it was not created specifically with them in mind.

Characteristics of an NDIS program

Individualized assistance

An NDIS plan, like a home care package, is all about customizing support to meet your unique needs. The plan is tailored to your specific needs and circumstances, providing you with the support and assistance you need to improve your quality of life—from mobility aids to specialized therapies.

2. Holistic approach

An NDIS plan covers social involvement, education, work, and other aspects of your disability in addition to the medical component, and involvement in the community, building a whole life experience.

3. Support coordination 

It can be very difficult to navigate the world of disability assistance services. Support coordination, which helps you manage and gain access to the services and supports specified in your plan, is frequently included in NDIS plans.

4. Service funding

An NDIS plan allots funds based on your goals and requirements. These funds can be used to get a range of services, such as personal care, therapy, assistive technology, and more.

5. Consistent reviews

Your NDIS Plan is a living document that changes as your situation does. Periodic evaluations guarantee that the assistance you obtain continues to be in line with your present needs and goals.

Key distinctions between the NDIS plan and home care package:

1. Eligibility and age

Package for in-home care: Originally created with elderly Australians in mind. Seniors 65 years of age and older (or Indigenous Australians 50 years of age and older) can apply for care packages. The Aged Care Assessment Team (ACAT) conducts assessments to determine eligibility.

NDIS plan

Anyone under 65 with a persistent and substantial impairment is eligible for the NDIS, which has no upper age limit. If they fulfill specific requirements, seniors over 65 may be eligible for the NDIS.

2. Focus of support

Package for home care: Mainly concentrates on offering assistance with tasks associated with aging, like meal preparation, personal hygiene, and housekeeping.


The NDIS plan provides a wider range of services that address the unique needs associated with living with a disability, including both the social and physical aspects of daily life. 

3. The application procedure

The first step in a home care package is an evaluation conducted by ACAT to ascertain the necessary level of care. You can customize your care plan and select your service provider after you’ve been accepted. Read our guide to learn more about this procedure.

NDIS plan

Necessitates a National Disability Insurance Agency (NDIA) application and assessment procedure. Together, you and the NDIA create the strategy, taking into consideration your particular needs and goals.

4. Cost and funding

Depending on your financial situation, you may be able to contribute to the cost of the package, which is funded by the Australian Government. See our blog post on how fees are determined for further information on the possible expenses related to in-home care.

NDIS plan

The services and supports specified in your plan are funded by the NDIS. There could be fees related to particular services, and the financing is not means-tested.

Choosing the best option for your particular journey

With different approaches and focuses, home care packages and NDIS plans provide older Australians with important support. When choosing between the two, take into account your unique situation, objectives, and difficulties.

Take into account a home care plan if:

  • You’re looking for assistance that is specific to your needs as you age.
  • You cherish the familiarity and comfort of your own house.
  • Your biggest needs are for help with daily tasks, keeping an eye on your health, and housekeeping.

For you, an NDIS plan might be a suitable fit if: 

  • Your everyday activities and overall well-being are impacted
  • Your goals are to increase community involvement, career options, and social participation.
  • You’re searching for an all-encompassing strategy that takes into account the mental and practical facets of having a difficulty.


It’s critical to stay aware about the support resources available to you as you start new chapters in your life. Remember that you have the potential to control your destiny, whether you’re thinking about an NDIS Plan to enable you to live well with your handicap or a home care package to preserve your independence in your own home. We are available to assist you. Independent Ability Care (IAC) is committed to helping senior Australians live fulfilling lives in the future by providing opportunities and purpose. 

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