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

Manasquan is a quiet borough of a little less than 6,000 people, 17% of whom are seniors. It’s conveniently located near medical facilities like Jersey Shore University Medical Center in Neptune and Monmouth Medical Center in Long Branch, and the local number of doctors per capita is about 65% higher than the national norm. Low violent and property crime rates provide peace of mind to those who live alone, and numerous home care agencies support those who want to age in place. Seniors in Manasquan pay around $5,148 per month for in-home care, which includes nonmedical services, such as housekeeping, companionship and personal care. This is about $100 less than the cost of home health care, which includes skilled nursing services. 

Below we've compiled a comprehensive directory of every home care provider in the Manasquan area – 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 Manasquan, NJ

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Paying for Home Care in Manasquan, NJ

The Cost of Home Care in Manasquan, NJ

The Genworth 2021 Cost of Care Survey shows that home care agencies in Manasquan charge $5,148 per month, which is high compared to the national average of $4,957 but hundreds of dollars below New Jersey’s norm of $5,529. Local care costs are about $400 less than in Atlantic City, although seniors in Vineland pay comparatively affordable rates of $4,767. In Philadelphia, PA, rates are a couple of hundred dollars higher than the local average at $5,329, but rates in Baltimore, MD, are lower at $4,957.

Manasquan

$5,148

New Jersey

$5,529

United States

$4,957

Atlantic City

$5,529

Vineland

$4,767

Philadelphia, PA

$5,329

Baltimore, MD

$4,957

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

Home care clients in Manasquan pay $5,148 monthly for full-time services, making this among the most affordable long-term care options in the city. This is about $100 less than home health care and $3,000 less than assisted living, which includes a similar scope of services in a residential setting. Nursing home care, which provides medical care and supervision, costs about double the price of home care at $11,650. Seniors who want to save money on care expenses may consider adult day health care, which costs $1,866 per month.

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 Manasquan was unavailable, so data for the nearest city, Trenton, was used instead.

Financial Assistance for Home Care in Manasquan, 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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

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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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