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Difference Between Self-Managed and Plan-Managed Home Care Packages (HCP)
When you receive a Home Care Package (HCP), you must choose how your funds are managed and administered. The two main options are Self-Managed and Plan-Managed (Provider-Managed).
Self-Managed HCP
A self-managed HCP gives you full control over your package funds and service providers.
- You choose and coordinate your care providers (e.g., hiring your own support workers, cleaners, or nurses).
- You manage your budget and ensure your funding is spent correctly.
- You handle payments, invoices, and reporting to meet government requirements.
- Lower admin fees, meaning more funds for care.
Best for: Independent and confident individuals or families who want more flexibility and control over their care.
Plan-Managed (Provider-Managed) HCP
With a plan-managed (provider-managed) HCP, your home care provider takes care of everything for you.
- The provider manages all budgets, invoices, and payments on your behalf.
- They coordinate and schedule services, ensuring you receive care as needed.
- You get professional support in navigating the HCP system.
- Less admin work for you, but higher management fees.
Best for: Those who prefer hassle-free management or need help handling finances and scheduling services.
Key Diffrences at a Glance
| Feature | Self Managed HCP | Plan-Managed (Provide-Managed) HCP |
|---|---|---|
| Control | Full control over provider & budget | Provider makes decision on your behalf |
| Admin Work | You handle invoices & payment | Provider handle all financial admin |
| Costs | Lower admin fees, more money for care | Higher admin fees, less work for you |
| Flexibility | Can hire independent or private providers | Limited to provider's network |
| Best for | Confident in managing finances & care | Prefer support & no admin hassle |