The new Aged Care Act has started on 1 November 2025. To support the transition to the new Act, we are upgrading some website tools. You can read more or contact My Aged Care on 1800 200 422 for general information.

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How aged care works

Whether you're planning ahead or looking into aged care now, we can help you understand how it works.

This section offers an overview on how to access aged care, how to find out if you’re eligible, how much it might cost and the different types of programs available to you.

Steps to accessing aged care

There are 4 key steps to accessing Australian Government-funded aged care services.

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Step 1

Explore if aged care is right for you

If you're starting to think about aged care, this is your first step. See what services have helped people in similar situations and what support is available, whether you want to stay in your own home or move into an aged care home.

Step 2

Get assessed

If you’re ready to find out what aged care services you’re eligible for, the next step is to apply for an assessment. Find out how to apply for an assessment and understand the process.

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Step 3

Find a provider

After your assessment, learn how to find a provider in your area that meet your needs and preferences.

Step 4

Set up your new services

Once you’ve decided on a provider, learn what to expect when finalising your agreements and setting up your services.

Create a guide to aged care

Use My Guide to create a personalised step-by-step plan to access aged care. It can make the process to accessing aged care services clearer and easier to manage. You can revisit your guide any time, or download, print or email it for easy access.

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Check if you should apply

Eligibility for government-subsidised aged care services is based on your age, needs and situation. Your eligibility is determined by an aged care assessor. You can check if you meet the requirements for an assessment before applying by using our online tool.

How aged care costs work

The cost of aged care and how it works varies from person to person. It depends on the type of care you are eligible for, the aged care provider you choose and your financial situation.  

The Australian Government may help cover some of the costs of your care. If you can afford to, you may also be asked to contribute.

Understanding the different programs

There are 3 main programs that help you access aged care services in your home or in the community: the Commonwealth Home Support Program (CHSP), the Support at Home program and residential aged care (aged care homes).

Commonwealth Home Support Program

Entry-level care for those who need a low level of support to keep living independently and safely at home. Supports can include one or 2 basic services.