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The Best Home Care Agencies for Seniors in Lakewood, NJ for 2024

Lakewood is a tight-knit township in Ocean County, New Jersey, where the community of seniors aged 65+ represent 9.9% of 138,070 residents. Older retirees in Lakewood benefit from living in a safe community where the cost of living is more affordable than other parts of the state. The township’s air quality ranking of 68 is well above the national average of 57, meaning Lakewood residents are at lower risk of developing some illnesses. Senior residents are within easy reach of excellent medical care at the Ocean University Medical Center and the Monmouth Medical Center Southern Campus.

Home care in Lakewood is cost effective, as the average monthly rate of $5,148 is significantly lower than the state’s average. Home health care providers in the city charge a bit more than nonmedical in-home care agencies because they also offer medical services.

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

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Paying for Home Care in Lakewood, NJ

The Cost of Home Care in Lakewood, NJ

The average Lakewood senior pays $5,148 every month for their in-home care per the Genworth Cost of Care 2021 Survey, which uses numbers from Trenton given its proximity to Lakewood. Rates in the city are $381 below the state average but more expensive than the national norm of $4,957. Seniors in Ocean City and Atlantic City pay the state average for home care, while prices in Vineland are more affordable than Lakewood by $381.

Lakewood

$5,148

New Jersey

$5,529

United States

$4,957

Ocean City

$5,529

Vineland

$4,767

Atlantic City

$5,529

The Cost of Home Care vs. Other Senior Care Options in Lakewood, New Jersey

Seniors who need nursing care in addition to nonmedical personal care services can opt for home health care providers that charge, on average, $5,243 per month. Residential care in an assisted living facility in Lakewood costs $8,145, which is substantially more than home care. Nursing homes in the city cost $11,650 per month, while the median monthly rate for adult day health care is $1,866.

Home Care

$5,148

Home Health Care

$5,243

Adult Day Health Care

$1,866

Assisted Living

$8,145

Nursing Home Facility (semiprivate room)

$11,650

Note: Data for Lakewood was unavailable, so data for the nearest city, Trenton, was used instead.

Financial Assistance for Home Care in Lakewood, 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.

Lakewood 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 Lakewood:

ResourceContactAddressService
Meals on Wheels of Ocean County(609) 978-6869P.O. Box 610, Stafford, NJ 08050Meals on Wheels of Ocean County serves freshly prepared meals to Lakewood residents aged 60 and over who are homebound, unable to cook their own food and lacking support from family or friends. Although the meals are free, donations of $2 per meal are greatly appreciated. Each meal provides at least one-third of the daily dietary recommendation established by the U.S. Department of Agriculture. 
Ocean County Office of Senior Services(732) 929-2091101 Hooper Avenue, Toms River, NJ 08753The Office of Senior Services is an important resource for Lakewood residents aged 60 and over. It administers a range of programs and services aimed at helping seniors continue to live independent lives at home. These include Ocean Ride, which provides door-to-door transportation services for $3 or $6 per trip, and a fixed route bus service for $1 per journey. There’s also help for low-income seniors who may be eligible for Medicaid.
VA Housebound Allowance(732) 323-1248Highway 547, Bldg 488, Walsh Drive, Lakehurst, NJ 08733The VA Housebound Allowance is a monthly payment made to U.S. military veterans to help them meet some of their home health care costs. The allowance is also available to the spouses of veterans and included with the monthly VA pension. To qualify, the senior must be mostly confined to their home because of a disability and be eligible for an enhanced pension.
LIHEAP (Low Income Home Energy Assistance) and USF (Universal Service Fund)(609) 549-5822144 John Street, Lakewood, NJ 08754LIHEAP and USF are federally funded programs that help eligible low-income seniors whose homes need to be made more energy-efficient. There is no cost for the services, which may include, depending on the energy audit, insulating attics and crawl spaces, repairing or replacing faulty furnaces and sealing gaps in windows and doors. To be eligible, the senior must have an annual income of no more than $25, 760. For a couple, the maximum is $34,840.
State Health Insurance Assistance Program (SHIP)(800) 668-48991027 Hooper Avenue, Building 2, 1st Floor, Toms River, NJ 08754SHIP is a free program for seniors who are Medicare beneficiaries and those who need help with enrolling. Counselors provide unbiased information and advice regarding coverage, including Medicare plans that can address shortfalls. They can also discuss private health care insurance but won’t try to sell plans.

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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