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

New Brunswick is the seat of Middlesex County and a city of over 55,000 residents. According to the 2020 Census, adults aged 65 and older comprise 6.3% of the population, which, although significantly below average, belies the city’s appeal to seniors. New Brunswick is a college town, with a strong cafe culture, several small but beautiful parks and a pleasant downtown with many fine restaurants. The city’s average monthly fee for home care, the non-medical equivalent of home health care, is $5,148, which is more affordable than the state’s median of $5,529. Seniors needing greater levels of care aren’t far from well-regarded medical facilities, such as the Robert Wood Johnson University Hospital.

Below we’ve compiled a comprehensive directory of every home care provider in the New Brunswick 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.

Home Care Agencies in New Brunswick, NJ

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Paying for Home Care in New Brunswick, NJ

The Cost of Home Care in New Brunswick, NJ

Although New Brunswick’s average home care costs of $5,148 are higher than the national median of $4,957, the city is one of the most affordable in the state. It competes easily with the average cost in nearby New York City, where the typical senior pays $5,529, a fee that’s also the average for Atlantic City and Ocean City. At $4,767, only Vineland offers more affordable home care than New Brunswick.

New Brunswick

$5,148

New Jersey

$5,529

The United States

$4,957

Atlantic City

$5,529

Vineland

$4,767

Ocean City

$5,529

New York City, NY

$5,529

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

The most inexpensive type of care in New Brunswick is adult day health care, which, at $1,866, is significantly cheaper than home care, at $5,148. However, home care provides one-on-one assistance within the senior’s home, as does home health care, although that option typically costs an additional $95 per month because it provides medical care. Assisted living and nursing home facilities are the costliest options, with the former averaging $8,145, and the latter, another $3,505 per month.

Home Care

$5,148

Home Health Care

$5,243

Adult Day Health Care

$1,866

Assisted Living Facility

$8,145

Nursing Home Facility (semiprivate room)

$11,650

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

Financial Assistance for Home Care in New Brunswick, 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.

Free & Low-Cost Home Care Resources in New Brunswick, NJ

Seniors in New Brunswick may qualify for assistance from government agencies and nonprofit organizations operating in the area. The resources listed here can help to make homes more energy-efficient, pay some utility bills, finance repairs to make the home safer and arrange a regular supply of fresh and healthy meals.

ResourceContactService
Low Income Home Energy AssistanceApply HereThe Low Income Home Energy Assistance program is a federally funded program designed to assist New Jersey residents of all ages who cannot afford to pay their heating and cooling bills. It's available to renters and homeowners whose incomes are no more than 60% of the state median. Payments are normally made directly to the energy supplier, except in certain cases, such as renters whose rent includes their energy costs.
USDA Loans and Grants(856) 285-7679The Section 504 Home Repair Program provides home repair loans to homeowners on very low incomes as well as grants to seniors with health and safety hazards in their homes. Grants can be up to $10,000, with no requirement to pay them back unless the senior sells the property within 3 years. Loans can be up to $40,000 over 20 years at 1% interest. Eligible participants are New Jersey residents who cannot get affordable financing elsewhere and have incomes at or below the limit for their county. Grants are only available to adults aged 62 and older.
Meals on Wheels in Greater New Brunswick(732) 249-3488Meals on Wheels in Greater New Brunswick delivers freshly prepared and nutritionally balanced meals to homebound seniors on weekdays, including holidays, normally between 10:30 a.m. and noon. Two meals are delivered per visit: one a hot lunch and the other a cold boxed meal for supper. During the delivery, the volunteer will use the opportunity to do a wellness check.
Weatherization Assistance Program(732) 828-4510The Weatherization Assistance Program covers vital home improvement costs for residents with incomes equal to or below 200% of the Federal Poverty Guidelines. Homeowners and renters can apply, although renters will need permission from their home's owner before work can commence. Depending on the results of the home's energy audit, the program can pay for repairs to HVAC systems and windows and doors, as well as insulating attics and walls.

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 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.

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Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs

Frequently Asked Questions

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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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