Costs of In-Home Care Explained

Your funding options and paying for Care at home services

When it comes to receiving personalised and reliable care in the comfort of your own home, there are a number of different funding options available. It's crucial to understand the costs associated with homecare and explore viable funding options to ensure seamless access to the care you deserve. In this comprehensive guide, we will explore the intricacies of homecare costs and delve into various funding options available to help you or your loved ones embark on this important journey with confidence.


1. Self-Funded Care

Self-funding, also known as private care, is a popular option for individuals who have the financial means to pay for their own homecare services. With self-funded care, you have the flexibility to tailor your care plan according to your specific needs and preferences. This option allows you to choose from a wide range of care providers and customise the level of assistance required. Understanding the costs involved and exploring financial planning strategies can help you effectively self-fund your homecare services.

More Information on Self-Funded Care


2. Local Authority Funding

Local Authority funding, also known as social care funding or council-funded care, is available for individuals who meet specific eligibility criteria. Local authorities have a duty to assess and provide support for individuals in need of care services. This funding option is means-tested and based on the individual's financial situation. Local authorities can contribute partially or fully to the cost of homecare services, depending on the assessed needs and available resources. In a separate article, we will delve into the details of local authority funding, helping you understand the assessment process and the support you can expect.

More Information on Local Authority Funding


3. NHS Continuing Healthcare (CHC)

NHS Continuing Healthcare is a funding option provided by the National Health Service (NHS) for individuals with complex health needs. CHC funding covers the full cost of care, including homecare services, for eligible individuals who have substantial and ongoing healthcare needs. The assessment process for NHS CHC funding is thorough and considers various factors to determine eligibility. We will explore the intricacies of NHS CHC funding in a dedicated article, helping you navigate the assessment process and understand the benefits it offers.

More Information on NHS CHC


Combining Funding Options

It's important to note that individuals may combine different funding options to cover the costs of their homecare services. For instance, you may be eligible for partial funding through NHS CHC while also self-funding a portion of your care. Understanding how these funding options interact and can be used in combination will help you maximize the resources available to you.


Navigating the funding options for homecare services in the UK is crucial for individuals seeking to maintain their independence and receive the care they need in the comfort of their own homes. Whether you choose self-funding, explore NHS Continuing Healthcare, or consider local authority funding, understanding the intricacies of each option is key. In our detailed articles above, we provide in-depth insights into self-funded care, NHS Continuing Healthcare, and local authority funding, empowering you to make informed decisions and access the funding that best suits your homecare needs.

If you require any additional support when it comes to your funding options, or would like any futher details, please do not hesitite to contact an experienced member of our Nurseplus Care at home team who will be able to assist you.

Contact our team