Plan management isn’t a must, but for a lot of people, it’s a game-changer. Wondering if you should choose plan management? Here’s a clear breakdown of your options: plan-managed, self-managed, and agency-managed, so you can make the right choice for your needs.
Why Plan Management Matters
Your NDIS plan outlines how your supports will be funded, but it also defines how your funding will be managed. This is a critical decision that affects:
- How you pay for services
- What providers you can use
- How much administrative responsibility you take on
Choosing the right management option helps you get the most out of your funding, avoid stress, and stay in control of your plan.
The Three NDIS Plan Management Options Explained
1. Plan-Managed (Plan Manager)
A plan-managed option gives you the support of a third-party financial intermediary, known as a plan manager.
Key Benefits:
- They pay provider invoices on your behalf
- Track your budget and provide monthly statements
- Allow you to use both NDIS-registered and non-registered providers
- Offer financial advice and help you understand spending patterns
This is the best option for people who want flexibility and choice, without the burden of handling all finances. Plus, plan managers are funded separately under your plan so there is no cost to you.
2. Self-Managed
In a self-managed plan, you or a nominee take full responsibility for your funding.
Key Benefits:
- Full control over which providers you use (registered or not)
- Can negotiate rates directly
- Greater flexibility in how supports are delivered
We recommend this for participants who are confident with paperwork, budgeting, and record keeping. It’s important to remember that you must manage receipts, submit claims, and track your budget carefully. And, you’ll need to follow strict NDIS guidelines and keep all financial records for audits.
3. NDIA-Managed (Agency-Managed)
This is the default option where the National Disability Insurance Agency (NDIA) manages your plan directly.
Key Benefits:
- Least amount of administrative work for the participant
- NDIA pays providers directly
This is usually the preferred option for participants who want a hands-off approach and only plan to use NDIS-registered providers. Under this plan management option you can only use registered NDIS providers and there’s limited flexibility and slower adjustments to spending or provider issues.
Comparing Your Options at a Glance
| Feature | Plan-Managed | Self-Managed | NDIA-Managed |
| Use non-registered providers | Yes | Yes | No |
| Handles invoices | Yes (Plan Manager) | No (You) | Yes (NDIA) |
| Budget tracking help | Yes | No | Limited |
| Admin responsibility | Low | High | Very Low |
| Flexibility in provider choice | High | Highest | Low |
Do I Need a Plan Manager?
If you want more flexibility in choosing providers without managing the administration side – receipts and invoices yourself, plan management is likely the best fit.
A plan manager lets you:
- Avoid the admin burden
- Access a wider range of supports
- Stay informed with professional guidance
If you prefer complete independence, self-management may suit you. If simplicity is your priority and you’re happy to stick with registered providers, NDIA-management could be the way to go.
We’re Here to Support You
Choosing how your NDIS plan is managed is a big decision, but you don’t have to make it alone. Our team of expert plan managers can talk you through your options and help you feel confident about your next steps.
If you’d like the benefits of flexibility, support, and peace of mind, plan management might be exactly what you need. And lucky you’ve reached Achora, the plan management experts. Get started with plan management today. We can’t wait to work together.
