How Much Does 24/7 In Home care Cost Per Month?

How Much Does 24/7 In Home care Cost Per Month?

  • Prakash Bartaula
  • 9 October, 2024
14 Min Read

The cost of 24/7 in-home care in Australia can vary depending on where you live and the type of support needed. On average, monthly costs range between $16,500 and $22,000. Here’s a breakdown of the average monthly costs by state:

  • New South Wales: $18,000 – $22,000 per month
  • Victoria: $17,500 – $21,000 per month
  • Queensland: $16,500 – $20,000 per month

Factors such as the caregiver’s qualifications, location, and any specialized services (like dementia care) can increase the overall cost. 

For example, in Sydney, prices are higher due to the increased demand for caregivers and the cost of living. Understanding these factors can help families plan and budget more effectively.

Additionally, government funding programs like the Home Care Packages (HCP) can provide financial assistance. The HCP offers four levels of funding based on care needs, with Level 4 covering up to $64,167 per year. This helps reduce the out-of-pocket expenses for families.

If you’re looking for a more affordable option, exploring community programs, respite care, or negotiating care rates might help. Planning ahead and understanding the various options available can make it easier to manage long-term care costs.

How Much Does 24/7 In Home care Cost Per Month

What Is 24/7 In-Home Care?

24/7 in-home care means having a caregiver available all day and night. This can be a live-in caregiver who stays at the home or caregivers working in shifts. 

It’s a good option for people who need continuous support, like seniors or those with long-term health conditions. With this type of care, someone is always there to help, giving family members peace of mind.

Definition and Overview of 24/7 In-Home Care

24/7 in-home care means getting help all day, every day, without breaks. A live-in caregiver stays in the home, providing support whenever needed. 

Alternatively, there can be a team of caregivers working in shifts to cover the entire day. This care ensures that the person gets help with everything from personal care to medication management, no matter the time of day.

Types of Services Included in 24/7 Care

24/7 care includes different types of services to help with daily needs:

  • Personal Care: Assistance with bathing, dressing, and grooming.
  • Medication Management: Making sure medications are taken on time and as prescribed.
  • Meal Preparation: Preparing healthy meals, feeding help if needed.
  • Light Housekeeping: Tasks like laundry, cleaning, and organizing the home.
  • Companionship: Spending time talking, playing games, or just being present.
  • Mobility Assistance: Helping the person move around safely in the house.

These services are meant to keep the person comfortable and safe at home, supporting both physical and emotional needs.

Benefits of 24/7 Care for Seniors

Having 24/7 care helps seniors stay in their own homes, where they feel most comfortable. It prevents frequent hospital visits and reduces health complications. 

Seniors can continue living their lives with dignity, without moving to a facility. Plus, family members feel relieved knowing their loved one is getting the care they need at all times.

“In-home care allows seniors to maintain their dignity and independence, which is often lost in institutional care.” 

— Dr. Eliza Smith, Geriatric Care Specialist

With 24/7 care, seniors get to maintain their routine and live more independently. This can improve their quality of life and help them stay active and engaged in things they enjoy.

How Much Does 24/7 In-Home Care Cost Per Month?

The cost of 24/7 in-home care in Australia can vary greatly. It depends on factors like where you live, the type of care needed, and the caregiver’s experience. 

On average, the monthly cost is between $17,000 and $21,000. However, costs can go much higher if specialized care is needed, such as dementia care or overnight monitoring.

Having a caregiver available all the time is more expensive than hourly or part-time care. But it’s often necessary for people with severe health issues or those who need help throughout the day and night. Understanding the breakdown of these costs can help families plan and budget better.

Average Monthly Costs in Australia

The monthly cost of 24/7 in-home care changes depending on the state or city you’re in:

  • New South Wales: Costs here range from $18,000 to $22,000 per month. Sydney has higher rates due to the cost of living and caregiver demand.
  • Victoria: Monthly rates are between $17,500 and $21,000. Melbourne’s costs are similar to Sydney’s but slightly lower in regional areas.
  • Queensland: Prices range from $16,500 to $20,000. Regional towns like Townsville or Cairns have lower costs than Brisbane.

The level of care needed also plays a big role. Basic care is cheaper than high-level medical care. It’s important to check the rates in your area and talk to providers to get exact numbers.

Daily and Weekly Cost Breakdown

Carer's Experience

The cost of 24/7 care can change depending on the day of the week or if it’s a holiday. Here’s a simple breakdown:

  • Weekday Rates: Typically around $660 per day, which is about $19,800 per month if care is needed every day.
  • Weekend Rates: Can go up to $710 on Saturdays and $740 on Sundays. This means a weekend-only package might cost around $3,000.
  • Public Holidays: Costs can reach $1,370 per day on holidays due to higher caregiver rates.

Additional Costs by Location and Service Type for 24/7 In-Home Care

LocationBase Monthly CostAdditional Service CostsSpecial Care CostsOverall Cost Range
Sydney, NSW$18,000 – $22,000$500 – $1,200$2,000 – $3,000 (e.g., dementia care)$20,500 – $26,200
Melbourne, Victoria$17,500 – $21,000$300 – $800$1,500 – $2,500 (e.g., post-op care)$19,300 – $24,300
Brisbane, Queensland$16,500 – $20,000$400 – $1,000$1,800 – $2,800 (e.g., palliative care)$18,700 – $24,800
Rural Areas$14,000 – $18,000$200 – $600$1,000 – $2,000 (e.g., travel expenses)$15,200 – $20,600

These costs are for basic care. If specialized nursing or active night care is needed, expect to pay more. Families should consider these factors when budgeting for long-term care.

Factors Influencing the Cost of 24/7 Care

Several factors can make the cost of 24/7 in-home care higher or lower:

  1. Caregiver Qualifications: Highly trained caregivers or nurses cost more. For example, skilled nurses might charge $50 to $130 per hour, while general home health aides charge $27 per hour.
  2. Special Needs: People with conditions like dementia may need special care, which raises costs.
  3. Location: Living in a city is usually more expensive. Rural areas might have lower rates, but availability could be limited.
  4. Hours of Care: The number of hours the caregiver is actively helping also affects the cost. Full-time active care is more expensive than night-time supervision.

Understanding these factors can help families choose the best care option that fits their budget.

Average Wait Time for Home Care Packages

In 2021–22, the median wait time for accessing a Level 4 Home Care Package was only 1 month, while Level 1 packages had a 5-month wait. Levels 2 and 3 took an average of 8 months to access​ (AIHW).

Funding and Subsidies for 24/7 In-Home Care

Funding options can help make 24/7 in-home care more affordable. There are government programs, private insurance, and tax benefits that families can use. This section will explain each option to help you understand what’s available.

Government Subsidies and Home Care Packages

In Australia, the Home Care Packages (HCP) program provides government support for in-home care. There are four levels, each covering different amounts of funding based on the level of care needed:

  • Level 1: Basic care needs, with up to $14,366 in annual funding.
  • Level 2: Low-level care needs, providing up to $22,396 annually.
  • Level 3: Intermediate care needs, offering up to $43,763 per year.
  • Level 4: High-level care needs, with funding up to $64,167 each year.

Eligibility for these packages is determined through an assessment by the Aged Care Assessment Team (ACAT). 

After the assessment, families can apply for the appropriate package. The funds can be used for personal care, household chores, or specialized care services.

These subsidies can greatly reduce the cost of 24/7 care. For example, a Level 4 package could cover a significant portion of the monthly expense, making full-time care more accessible.

Breakdown of Home Care Recipients by Level of Care

As of June 2022, approximately 41% of people aged 65 and over using home care services were receiving Level 2 care, 31% were at Level 3, and 22% at Level 4. 

This distribution indicates a high demand for intermediate and high-level care services​ (AIHW).

Government Funding for Aged Care Services

In 2021–22, the Australian government provided aged care support to over 800,000 people aged 65 and over through the Home Care and Residential Aged Care Programs. 

This figure includes approximately 273,000 people who received home support assessments and 201,000 who completed comprehensive aged care assessments. 

The number of assessments has increased by 13% between 2012 and 2022, indicating a growing demand for aged care services in Australia​ (AIHW).

Private Insurance and Out-of-Pocket Costs

Private health insurance can also help cover some in-home care costs. Depending on the policy, it may cover parts of the daily rate or specific services like nursing care. However, it’s important to check your policy details, as not all insurance plans include in-home care.

Families might still have to pay some out-of-pocket costs, especially for services not covered by insurance. It’s a good idea to talk to your insurance provider and see what’s included and what’s not, so you can budget accordingly.

Increase in Home Care Service Utilization

The utilization of home care services has tripled since 2017, rising from 69,500 users in 2017 to nearly 213,000 in 2022. This growth follows the introduction of the Increasing Choice in Home Care reforms in 2017, which gave recipients more control over their care packages​ (AIHW).

Tax Benefits and Cost-Saving Tips

Tax benefits can also help reduce the cost of 24/7 care. Some expenses, like paying for personal care or hiring a caregiver, may be tax-deductible. Here are some tips to save money:

  1. Check for Deductible Expenses: See if you can claim deductions for caregiving costs.
  2. Use Government Rebates: Look for rebates or concessions in your state.
  3. Plan Ahead: Planning for long-term care needs can help reduce overall costs.

Talking to a financial advisor or tax professional can help you understand what tax benefits are available and how to claim them.

Comparison of 24/7 In-Home Care with Other Care Options

Choosing the right type of care can be confusing. Comparing 24/7 in-home care to other options like assisted living and nursing homes can help families decide what’s best. 

Each type has different costs, benefits, and drawbacks. Understanding these can guide families in finding the best care solution for their loved ones.

24/7 In-Home Care vs. Assisted Living

  • Costs: 24/7 in-home care can be more expensive than assisted living, especially for full-time care. While in-home care may range from $17,000 to $21,000 per month, assisted living facilities often charge around $4,000 to $7,000 per month, depending on the level of support needed.
  • Benefits: In-home care allows seniors to stay in a familiar environment, which can be less stressful. It offers personalized care and the comfort of staying at home. Assisted living provides a community setting with social activities and fewer responsibilities.

Drawbacks: In-home care can be isolating if the person doesn’t have social interactions outside the home. Assisted living might not provide the same level of individualized care as 24/7 in-home care, especially for those with complex health needs.

“Choosing between in-home care and assisted living is about finding the best fit for the person’s physical and emotional needs.” 

— Laura Williams, Senior Living Expert

24/7 In-Home Care vs. Nursing Homes

  • Costs: Nursing homes are usually the most expensive option. They can cost up to $10,000 per month or more. In contrast, 24/7 in-home care costs vary based on care needs but can be managed through government funding or family support.
  • Quality of Care: Nursing homes offer more comprehensive medical care and have specialized staff available. This makes them suitable for people who need constant medical supervision. 24/7 in-home care focuses more on personal care and companionship, with nurses available as needed.
  • Suitability: For seniors who need daily medical treatments or have severe health issues, nursing homes may be a better option. However, for those who prefer to stay at home and only need support with daily activities, in-home care is often the preferred choice.

Pros and Cons of Choosing 24/7 In-Home Care

Pros:

  • Comfort of Home: Allows seniors to stay in their own homes.
  • Personalized Care: Caregivers can focus on the individual’s needs.
  • Family Involvement: Family members can visit and participate in care planning.
  • Flexibility: Care plans can be adjusted based on changing needs.

Cons:

  • Cost: It can be expensive, especially without government support.
  • Availability of Caregivers: Finding reliable caregivers can be challenging in some areas.
  • Limited Social Interaction: Without community programs, it can feel isolating.

Families should weigh these pros and cons based on their unique needs and budget.

Ways to Manage and Plan for 24/7 In-Home Care Costs

Managing the cost of 24/7 in-home care can be challenging. But with careful planning and the right resources, it can become more affordable. 

This section offers tips to help families create a care budget, negotiate rates, and find extra support.

Budgeting for Long-Term Care

Creating a budget for long-term care starts with understanding what your loved one needs. List out essential care services like personal care, medication management, and companionship. 

Include potential extra costs like transportation or weekend care. Plan for future changes as health needs evolve. Reviewing costs every few months can help you adjust the budget as needed.

Negotiating Care Rates and Service Agreements

When hiring a care provider, ask about flexible pricing or discounts. Some agencies offer lower rates for longer-term contracts or fewer active hours at night. 

Make sure to read the service agreement carefully. Look for hidden fees, cancellation charges, or extra costs for night shifts. Discuss all fees upfront to avoid surprises later.

Negotiation Points and Potential Cost Adjustments for 24/7 Care

Negotiation PointPotential Cost AdjustmentDescription
Long-Term Contracts5% – 10% reductionAgencies may offer discounts for signing 6-month or 12-month contracts.
Reduced Active Night Hours$50 – $150 reductionLower costs by reducing the number of active hours during the night.
Bundled Services$100 – $300 reductionCombine services like transportation and meal prep for lower overall pricing.
Flexible Scheduling$50 – $100 reduction per weekChoose flexible hours based on caregiver availability to reduce weekly rates.

Utilizing Local and Community Resources

Many local programs can help reduce the cost of 24/7 care. Check with community centers or non-profit organizations for volunteer services that can provide support. 

Government programs like the Home Care Packages can cover some costs. Look into respite care options as well, which can provide temporary relief and lower overall costs.

Frequently Asked Questions (FAQs) About 24/7 In-Home Care Costs

Many families have questions when considering 24/7 in-home care. This section answers the most common ones about costs, coverage, and value. Understanding these details can help families make better decisions.

Can I Use Government Funding to Pay for 24/7 In-Home Care?

Yes, you can use government funding to help cover the costs of 24/7 in-home care. Programs like the Home Care Packages (HCP) in Australia offer financial support. 

There are four levels of funding, depending on your needs. The highest level, Level 4, provides up to $64,167 per year. This can lower the cost of full-time care significantly.

To be eligible, you need to go through an assessment by the Aged Care Assessment Team (ACAT). 

Once approved, you can use the funds for different services like personal care, medication management, and more. Always check the eligibility criteria and funding options that apply to your situation.

What Are the Hidden Costs of 24/7 In-Home Care?

There can be extra costs that you might not expect when hiring 24/7 in-home care. Here are a few to keep in mind:

  • Transportation Fees: Some caregivers charge extra for travel time or if they need to drive the person they care for to appointments.
  • Night Care Premiums: Care at night can cost more because of the caregiver’s availability and active work during the night hours.
  • Weekend and Holiday Rates: Weekends and holidays often have higher rates. Make sure to ask the caregiver or agency about these before starting the service.
  • Equipment Rentals: If the person needs special equipment like hospital beds or mobility aids, these may come at an extra cost.

Understanding these hidden fees can help avoid surprises and plan your budget better.

Is 24/7 In-Home Care Cheaper Than a Nursing Home?

It depends on the care needed and location. Nursing homes can cost up to $10,000 or more per month, especially for high-level care. 

In contrast, 24/7 in-home care may range from $17,000 to $21,000 per month. However, government funding and personalized care plans can lower the cost of in-home care, making it more affordable for some families.

In-home care also allows seniors to stay in a familiar environment, which can reduce stress and improve their quality of life. 

If the person doesn’t need constant medical supervision, in-home care can be a more affordable and comfortable choice.

Final Thoughts

Deciding on 24/7 in-home care is a big decision for any family. Understanding the costs and what influences them is key to making an informed choice. 

By exploring options like government funding, negotiating care rates, and planning for hidden costs, families can find solutions that fit their budget and care needs. 

If you have any questions or want personalized advice, consider speaking to a professional care advisor to explore your options further.

Prakash Bartaula

Joined : 5 April, 2024

I’m deeply passionate about the National Disability Insurance Scheme (NDIS) and dedicated to exploring its intricacies. Through research, communication, and writing, I aim to shed light on NDIS provisions and empower individuals with disabilities. Join me as we navigate the transformative potential of the NDIS together.

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