As families navigate the complexities of caring for ageing loved ones, understanding the costs of home care in New Zealand is crucial. Home care allows older adults to maintain independence while receiving the necessary support to stay safe and comfortable. But how much does it cost, and what factors affect pricing? This guide provides a breakdown of home care costs, funding options, and tips for making care more affordable.
Understanding Home Care Costs
The cost of home care services in New Zealand varies depending on several factors, including the type of care needed, the frequency of visits, and whether care is government-funded or private.
1. Types of Home Care Services & Their Costs
Government-Funded Home Care in NZ
For those who qualify, the New Zealand government provides home care support through district health boards (DHBs) and Te Whatu Ora. This funding can cover essential services like personal care, household tasks, and medical assistance.
Eligibility for Government-Funded Home Care
To receive government-funded home support, individuals must: ✅ Be assessed by a Needs Assessment and Service Coordination (NASC) agency ✅ Require assistance due to age, disability, or chronic illness ✅ Meet specific income and asset criteria for subsidised services
What Government-Funded Home Care Covers
- Personal care (bathing, dressing, toileting)
- Household assistance (cleaning, laundry, meal prep)
- Nursing services (for those with medical needs)
- Respite care (support for family caregivers)
However, government-funded care is often limited in hours provided, and many families choose to supplement with private care.
Private Home Care: What You Need to Know
If government funding isn’t enough or doesn’t meet specific needs, private home care is a flexible alternative. Private home care gives families control over the level of care and scheduling.
Advantages of Private Home Care:
✔ More personalised and flexible services ✔ Greater control over caregiver selection ✔ No waiting lists or funding restrictions ✔ Ideal for short-term, long-term, or respite care
How to Choose a Private Home Care Provider
When selecting a private home care provider, consider:
- Reputation & Reviews – Check testimonials and word-of-mouth recommendations
- Staff Qualifications – Ensure carers are experienced, background-checked, and First Aid trained
- Customised Care Plans – Find providers that tailor care to specific needs
Funding Options for Home Care
Home care costs can add up, but several funding options may help reduce the financial burden.
1. ACC-Funded Home Care
If a loved one requires care due to an injury, ACC (Accident Compensation Corporation) may cover home care costs. This includes personal care, household assistance, and rehabilitation support.
2. Work and Income New Zealand (WINZ) Assistance
Seniors on low incomes may be eligible for WINZ assistance, including:
- Disability Allowance (for ongoing home care costs)
- Residential Care Subsidy (for those transitioning into care homes)
3. SuperGold Card Discounts
The SuperGold Card provides seniors with discounts on healthcare services, including some home care providers.
4. Health Insurance Coverage
Some private health insurance policies may cover aspects of home care, particularly for short-term recovery after surgery or illness.
5. Family Contribution & Payment Plans
Many families share the cost of care among siblings or explore payment plans with providers to make services more affordable.
Comparing Home Care vs. Residential Care Costs
How to Plan for Home Care Costs
🔹 Start Budgeting Early – Assess current financial resources and potential future needs
🔹 Explore Government & Private Funding – Apply for any available financial assistance
🔹 Consider a Mix of Government & Private Care – Maximise available funding while supplementing with additional support
🔹 Talk to a Financial Planner – Get expert advice on long-term eldercare planning
Final Thoughts: Is Home Care the Right Choice?
Home care in New Zealand provides a personalised, flexible, and cost-effective alternative to residential care. While costs vary depending on the level of support required, funding options exist to help ease the financial burden.
If you’re exploring home care options for a loved one, our team is here to help. Call us today for a free, no-obligation chat about how we can support your family’s needs.
