Funding options and paying for your care

We understand that everyone's care needs vary and how you fund your care is vital to choosing the right care provider. There are a number of different ways to pay for your homecare depending on your eligibility for funding. From NHS healthcare funding to social care payments or benefits entitlement, we work with funding bodies to get you the support you need when you need it. 

Figuring out how you're going to fund your care can be just as important as finding the right provider. We understand that funding options can be daunting, that’s why we try to keep it simple. Costs for care at home will vary depending on your needs. Our teams are equipped to discuss the level of support that is right for you and whether the cost of homecare is financially sustainable for you and your family.

NHS Continuing Healthcare 

NHS continuing healthcare (CHC) is the name given to a package of care which is arranged and funded solely by the NHS for individuals who have ongoing physical or mental health care requirements and have been assessed as having a "primary health need". You can receive NHS continuing healthcare in any setting, including your own home. The care you receive will be provided free of charge. For most people considering applying for NHS continuing healthcare, the first place to start is by asking your GP, a hospital discharge team, or someone else closely involved in your healthcare, to arrange for an assessment to be carried out which determines your eligibility. For more information about the assessment click here.

Care funding

Social Care Funding

If you have social care needs, such as support with personal care, mobility or retaining your independence, you may be eligible for social care funding through your local authority. This is also known as a personal budget, as it allows you to be involved with decisions relating to your care.

Benefits entitlement

When considering your best options for funding care, the first stage is to ensure that all state benefit entitlements are explored. For further information on all available benefits visit https://www.gov.uk/browse/benefits.

Here we consider the main benefits – but it is important to stress that depending on an individual’s circumstances and needs, there may be other benefits to which you, or your loved one, could be entitled to.

• Pension credits
• Attendance Allowance
• Personal Independence Payment
• Carer's allowance
• Council Tax Reduction
• Heating Benefits

Privately funded care

If you are paying the full cost of your care and support service or topping up your government funding, this is known as self-funding. The cost of your care will vary depending on the type of care, location, service provider and duration/frequency of your care service. It may be that you are self-funding because:

• You have chosen not to approach social care services for assistance with your care and support needs
• You have been assessed by the adult social care team but are not currently eligible for funding
• You have been assessed by the adult social care team as being eligible for funding but you have savings or assets above the self-funding threshold set by the government.

We have a number of different payment options available for self-funders including Direct Debit, Debit Card payments, Cheques, BACS payments and same-day transfers. We can help you decide care and support services will best meet your needs and discuss your funding options with you. 

What is the cost of Live-in care?

​If your specific health needs require extra support, Live-in care provides an affordable alternative to moving into a care or nursing home. Our Live-in care is bespoke to you and your needs and therefore you will need to enquire with your local branch to find out more about paying for Live-in care packages. 

Whether care is paid for through public funding or privately, Nurseplus can help. We aim to coordinate a quality, personalised plan, tailored to your needs that will enrich and support your daily life.

Speak to your local team about options available to you.

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