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The 10 Best Home Care Agencies for Seniors in Cape May County, NJ for 2024

Cape May County features the Atlantic Ocean to its south and east and Delaware Bay to its west, offering beautiful sights and a temperate climate. The county is home to 95,000 people, and well over a quarter of the population is aged 65 or over — substantially more than the state and national average of around 17%. Crime is relatively uncommon here, and there are several high-performing hospitals, including Cape Regional Medical Center in the city of Cape May.

On average, Cape May County seniors pay $5,529 per month for nonmedical in-home care, which includes services such as help with personal grooming, medication reminders and light housekeeping. It doesn’t include skilled nursing services, but seniors can get this higher level of care by obtaining home health care services.

Below we’ve compiled a comprehensive directory of every home care provider in Cape May County– complete with services offered and reviews from families who’ve actually used the service. In addition to our in-depth provider listings, we’ve compiled resources to help seniors and their families to access all the tools they need to age in place safely and gracefully.

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Home Care Agencies in Cape May County, NJ

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Paying for Home Care in Cape May County, NJ

The Cost of Home Care in Cape May County, NJ

The Genworth 2021 Cost of Care Survey doesn’t include cost data for Cape May County, so local care costs are based on rates in Ocean City, which is located within the county. Home care agencies in this region charge $5,529 for care, which is several hundred dollars over the national median but in line with the state rate. Care costs in surveyed cities within the state are considerably cheaper, with seniors in Vineland paying $4,767 and those in Trenton paying $5,148. Across state lines in Dover, Delaware, rates are closer to Cape May County’s average at $5,339.

Cape May County

$5,529

New Jersey

$5,529

The United States

$4,957

Vineland

$4,767

Trenton

$5,148

Dover, DE

$5,339

The Cost of Home Care vs. Other Senior Care Options in Cape May County, NJ

Home care agencies in Cape May County provide nonmedical services in the individual’s home and charge $5,529 per month. Home health care costs the same monthly rate but includes skilled nursing in addition to companion and personal care services. Adult day health care is a cheaper alternative to in-home care, costing $1,993 per month. Assisted living is nearly $2,000 more at $7,490, and nursing home care is nearly double the cost of home care at $10,007 monthly.  

Home Care

$5,529

Home Health Care

$5,529

Adult Day Health Care

$1,993

Assisted Living

$7,490

Nursing Home Care

$10,007

Note: Data for Cape May County was unavailable, so data for the nearest city, Ocean City, was used instead.

Financial Assistance for Home Care in Cape May County, NJ

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

  • Long-Term Care Insurance: Long-term care insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
  • Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
  • Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
  • Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living. Contact the Department of Veterans Affairs to learn more.
  • Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

Cape May County Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Cape May County:

ResourceContactAddressService
Cape May County Division of Aging and Disability Services(609) 886-27844005 Rte 9 S, Rio Grande, NJ 08242, United StatesThe CMC Division of Aging & Disability Services works to help older adults stay healthy and independent by assisting them with information, referrals, direct assistance and education programs in maintaining their quality of life. Its services are varied and include group meals at four senior centers, Meals on Wheels home food deliveries, counseling on access to other benefits programs and coordination for the State Health Insurance and Assistance Program. The division also manages a prescription card program that lets all carriers of its cards receive discounts on prescription medications.
New Jersey Weatherization Assistance Program (WAP)(856) 455-060075 N. Pearl St. 1st Floor, Bridgeton, NJ 08302New Jersey’s Weatherization Assistance Program is funded both federally and with state resources. It offers weatherization and repair services to income-eligible residents of the state. Elderly individuals and households are given preferential placement. Seniors can apply for this program through their local county WAP coordination office. In Cape May this is the Native American Advancement Corporation. Seniors 60 or older can gain acceptance automatically if they’re receiving Supplemental Security Income Payments. Eligible households must make below $25,760 for a single-person home or $34,840 for a two-person residence.
NJSave(800) 792-97453801 Route 9, South, Unit 4, Rio Grande, NJ 08242NJSave is an online application program reserved for low-income senior residents of New Jersey that helps pay the costs of their Medicare expenses, prescription medicine and other living expenses. This initiative is run by the Division of Aging Services of the Department of Human Services of New Jersey State. Locally, in Cape May, it may be accessed through Cape May County Division of Aging and Disability Services. Successful applicants to NJSave are then also enrolled in several other programs that include among others: Pharmaceutical Assistance to the Aged and Disabled (PAAD), Lifeline Utility Assistance, Medicare Savings and Hearing Aid Assistance to the Aged and Disabled.

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – oftentimes it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

Download
Checklist for determining the need for in-home care
Checklist for determining the need for in-home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

Download
Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs
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The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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