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The 10 Best Home Care Agencies for Seniors in Jersey City, NJ for 2024

Seniors make up approximately 11% of the population in Jersey City, New Jersey, which is less than the national average of 16.5%. Located along the Atlantic Coast, Jersey City offers an abundance of big city amenities in a rural atmosphere. Summers are hot with 217 sunny days per year and the overall rate of crime is low, which provides an excellent atmosphere for retirees. For medical treatment, there are multiple hospitals in the area, including the Christ Hospital and the Jersey City Medical Center, which both provide emergency treatment and surgical care.

Seniors who choose home care in Jersey City pay around $5,529 per month for assistance with personal care, according to the 2021 Genworth Cost of Care Survey. For additional medical care, including wound care, IV care, therapy and medication administration, home health care is a better option.

Below we’ve compiled a comprehensive directory of every home care provider in Jersey City– 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 Jersey City, NJ

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Paying for Home Care in Jersey City, NJ

The Cost of Home Care in Jersey City, NJ

The cost of home care in Jersey City, which averages the same as the cost in New York City, is around $5,529 per month, according to the 2021 Genworth Cost of Care Survey. The state average is the same, but the national average is less at $4,957. Nearby Atlantic City has an average home care cost that’s the same as Jersey City and the state average. Trenton and Vineland seniors can expect a lower monthly rate at $5,148 and $4,767 respectively.

Jersey City

$5,529

New Jersey

$5,529

The United States

$4,957

Trenton

$5,148

Atlantic City

$5,529

Vineland

$4,767

The Cost of Home Care vs. Other Senior Care Options in Jersey City, NJ

Senior care options in Jersey City vary in cost from $1,950 for adult day health to $12,471 per month for a semiprivate room in a nursing home. Home care costs around $5,529 per month, while home health care is slightly more at $5,720 due to the added medical care benefits. An assisted living community costs around $5,750 per month.

Home Care

$5,529

Home Health Care

$5,720

Adult Day Health Care

$1,950

Assisted Living

$5,750

Nursing Home Care (semiprivate room)

$12,471

Note: Data for Jersey City was unavailable, so data for the nearest city, New York City, NY, was used instead.

Financial Assistance for Home Care in Jersey City, 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.

Jersey City 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 Jersey City:

ResourceContactAddressService
Division of Senior Affairs(201) 547-57501 Jackson Square, Jersey City, NJ 07305The Division of Senior Affairs connects Jersey City seniors to services and programs that include housing assistance, farmers market vouchers, and fitness classes. The Division of Senior Affairs also provides transportation assistance to help seniors get to the grocery store.
Meals on Wheels(201) 547-68091 Jackson Square, Jersey City, NJ 07305Homebound seniors in Jersey City can receive home-delivered meals through Meals on Wheels. These meals come frozen, so seniors can warm and heat them when they wish. This service is available to Jersey City residents who are age 60 and older and who cannot leave their homes to eat at a congregate dining site or go shopping because of their health.
WIC and Seniors Farmers Market Nutrition Program(609) 292-5536PO Box 330, Trenton, NJ 08625The New Jersey Department of Agriculture statewide program provides vouchers so income-qualified seniors can buy vegetables, fruits and other fresh produce at local farmers markets in Jersey City. Seniors must file an application and undergo face-to-face nutrition education. Vouchers are available from June 1 through November 30.
JC Shovels(201) 547-43011 Jackson Square, Jersey City, NJ 07305When snow falls in Jersey City, JC Shovels sends young people from the community to the home of community seniors to shovel sidewalks and walkways. This service is available to seniors who cannot do the work themselves and who do not have family nearby who can help. It is operated through the Division of Senior Affairs.

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 – often times 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 home care
Checklist for determining the need for 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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