The free statement decoder translates every charge on your aged care monthly statement into plain English — and flags the ones you should check against the legal limits.
The care management fee is legally capped at 10% of your quarterly budget under the Aged Care Rules 2025. To check yours: divide the care management fee by your quarterly budget. If the result is above 0.10, your provider is charging above the legal cap. Most families have no idea this limit exists.
Free. No account required. Get your statement out before you start.
Eight families in a single aged care Facebook group asked about their statements in one month. Not one of them could explain what the care management line meant. Most didn't know there was a legal cap on it.
Aged care billing changed substantially on 1 November 2025 when Support at Home replaced Home Care Packages. The pricing structure is different. The line items have new names. The fees that existed before don't always exist now. Providers aren't required to explain any of this to you.
The result: families pay charges they shouldn't, miss billing errors that accumulate across quarters, and have no idea whether what they're being charged is legal.
Billing errors in aged care are common — services on days nobody visited, care management fees above the 10% legal cap, co-contributions charged on clinical services that should be free. The statement decoder flags every one of these patterns as you work through your bill.
Here's a plain-English guide to the most common items — with what to check on each one.
Your provider's coordination charge — legally capped at 10% of your quarterly budget.
Your share of the cost. Zero for clinical care. Moderate for personal care. Highest for cleaning and meals.
Every service you received — date, what it was, how long, and what it cost.
What's left in your quarterly budget after services and fees. You can carry over up to $1,000 or 10% per quarter.
A separate funding pool for equipment and home modifications — does not reduce your regular care budget.
This fee was abolished under Support at Home (November 2025). If you see it, it should not be there.
The interactive decoder covers every line item in full — including travel fees, administration fees, GST, and AT-HM budget.
What to do: Contact your provider in writing with the specific date. Ask for a correction and credit.
What to do: Calculate: fee ÷ quarterly budget. If above 0.10, your provider is over the legal cap. Contact them in writing.
What to do: This fee was abolished. If it appears, it must be removed and any amounts refunded.
What to do: Clinical services are always free — zero co-contribution for everyone. If charged, it's an error.
What to do: Check your own records. If the billed time doesn't match the actual visit, ask for a timesheet review.
Your provider's charge for coordinating your care — legally capped at 10% of your quarterly budget under the Aged Care Rules 2025. Divide the fee by your quarterly budget. If the result is above 0.10, they're over the cap.
Your share of the service cost. Clinical care (nursing, physio) has zero co-contribution. Personal care has a moderate contribution. Cleaning and meals have the highest. Your specific rate depends on your income and assets.
Email your provider with the specific date, the service listed, and that no visit occurred. Ask for a correction and credit. If they don't respond in 5 business days, call OPAN on 1800 700 600 for free advocacy.
Your aged care statement decoded — every line explained →
The full guide covers every line item, common errors, and the step-by-step process for disputing a billing error.
Get your latest aged care statement. The decoder takes you through it line by line, explains each charge in plain English, and flags anything that looks wrong.
Free. No account required.
Information only — not financial or legal advice. Verified against the Aged Care Rules 2025 and Aged Care Act 2024. Check myagedcare.gov.au for current rates. Last updated: 27 April 2026.