Personal health budgets

If you're eligible for NHS funding, you will have the option to receive your funding as part of a personal health budget (PHB).

Personal health budgets (PHBs) were introduced in October 2014 for adults receiving NHS continuing healthcare, and children receiving continuing care. They aim to give people who require long term healthcare support more control and choice over how they receive their care and who provides it.

What is a personal health budget?

A personal health budget is an amount of money granted to an individual to support their healthcare and wellbeing needs. PHBs are arranged through local NHS teams - Clinical Commissioning Groups (CCGs). The CCG will plan and agree a PHB with the individual receiving it, or their representative.

How does it work?

A PHB is based around a care and support plan, which identifies health and wellbeing goals. This plan will be developed by the individual receiving funding, in collaboration with the local NHS team, to set out how the budget will be spent to fulfil these goals.

A PHB can be managed in a number of ways. In some cases the NHS team will arrange all care and support, sometimes the money can be held by a third party organisation or trust who will buy the appropriate care and support once agreed with the individual, and sometimes the individual can receive the PHB as direct payments, and buy their own care and support directly. Some people decide to employ their own care team directly - read more about how we can support when this is the case, below.

To find out more about the different ways a PHB can be managed, click here.

What can a personal health budget be spent on?

A PHB can be spent on any care or services set out in your agreed care and support plan.

A personal health budget cannot be used to buy emergency care, eg. if you are in receipt of a personal health budget and have an accident, you would need to go to A&E like everyone else. It also cannot be used to buy primary care services, like seeing a GP or dental treatment. However, other services recommended by a GP, like physiotherapy, could be included.

Where can I find out more information?

If you would like further information about personal health budgets it's best to contact your local NHS team who help you most often with your care, eg. your GP or care manager.

You can also find out more information on the NHS website.

How can Complete Care help?

We're committed to providing care and support to our clients that champions personal choice and is centred around bespoke care. With that in mind, taking up a PHB may be the right decision for some people; equally, we have also seen a number of clients who have experienced PHBs return to us.

Succesfully providing complex clinical care hinges on the strong relationship between a client and their team of personal care assistants. This can of course be achieved as part of a PHB, however maintaining nurse-led clinical input, care-planning and competency training, as well as business processes such as recruitment, payroll and pension provision can be a challenge. Put simply, there's a lot to think about!

If you're thinking about opting for a PHB and wish to employ your care assistants directly, we can provide the wraparound support, through clinical input to ensure you are receiving high quality care, and support with any back-office services.

How could we help you?

Contact us to discuss how we could support your personal health budget.


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