Find aged care services in Gosford, NSW

Aged care service rates in Gosford typically range from Based on classification level and service category for home-based support. The rate depends on the type of service, the provider, and the funding program through which services are delivered. Government funding through the Home Care Packages Program or Commonwealth Home Support Programme subsidises most of the cost for eligible older Australians.

For Commonwealth Home Support Programme (CHSP) services, the government subsidises most of the cost and providers can charge a small co-contribution. Co-contributions vary by provider and service type. Financial hardship provisions mean no one is required to pay more than they can afford.

Home Care Package services are drawn from your annual package budget. The government pays a subsidy of between $10,000 and $60,000 per year depending on your package level. Your provider deducts a management fee from this budget before spending on direct services. Comparing provider fees is important to maximise your hours of support.

For residential aged care, daily fees apply and are separate from home care costs. Basic daily fees, means-tested care fees, and accommodation payments combine to determine the total cost of residential care. The My Aged Care website provides a fee estimator for residential care.

Aged care services in Australia are funded through a combination of government programs and private contributions. The program you access depends on your level of need, your age, and the type of support required. All programs require an assessment through My Aged Care.

Commonwealth Home Support Programme (CHSP): CHSP is the entry-level program for older Australians who need basic support to remain at home. The government subsidises the majority of the cost and you pay a small co-contribution per service. Services include domestic assistance, personal care, transport, social support, and allied health. A My Aged Care referral is required to access CHSP.

Home Care Packages (HCP): For older Australians with more complex needs, HCP provides a coordinated, annual package of funding managed by an approved provider. The government pays the subsidy directly to your provider. Levels 1 to 4 fund increasing amounts of care. An ACAT assessment is required to be assigned a package level.

Department of Veterans' Affairs (DVA): Veterans with a DVA Gold or White Card may access aged care services under DVA programs, which can operate alongside or separately from My Aged Care programs. Ask providers about their experience with DVA clients.

Private payment: Aged care services can be accessed privately without government funding. This suits people who do not yet meet the eligibility criteria, prefer not to go through the assessment process, or want to supplement their government-funded care. Rates are similar to HCP service rates.

Aged care services aim to support older Australians to live safely and comfortably, either at home or in a residential setting. Home-based services are focused on maintaining independence and wellbeing, covering personal care, household tasks, meals, transport, social engagement, and health management.

The process starts with a My Aged Care registration and assessment. For entry-level needs, a Regional Assessment Service (RAS) assessment is conducted, usually at your home. For more complex needs, an ACAT assessment is required. The assessor determines your eligibility and recommends the right level of support.

Once assessed and assigned to a program, you choose a provider from those available in your area. A good provider will assign you a dedicated care coordinator who develops a care plan with you, arranges services, and acts as your main contact. Your care plan should reflect your goals and preferences, not just your clinical needs.

Expect regular reviews of your care plan, at least annually or when your needs change. A good provider will proactively check in and adjust services as your situation changes, rather than waiting for you to ask.

You have the right to change providers at any time if the service is not meeting your needs. Under the new Aged Care Act (effective 1 July 2025), older Australians have strengthened rights including the right to be treated with dignity and respect and to have their choices and decisions respected.