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

Paramus is about 20 miles northwest of New York City with a population of 26,416. This upscale suburb caters to elderly, with 26% of its population being over the national average of 16.5%. It’s eight miles west of Upper Manhattan and has more shopping malls per capita than any other city. It offers affordable health care and easy access to nearby at hospitals such as the Society of the Valley Hospital and Bergen New Bridge Medical. Home care is available for seniors who need help with daily duties like food preparation and laundry, and home health care offers help with medical tasks such as medication monitoring, insulin injections and blood pressure monitoring. According to the Genworth Cost of Care Survey, home care in Paramus averages $5,529 per month.

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

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Paying for Home Care in Paramus, NJ

The Cost of Home Care in Paramus, NJ

Monthly home care costs in Paramus are the same as the New Jersey average of $5,529. However, the cost is $600 higher than the national average. Home care costs in the immediate vicinity of Paramus are comparable to health-care costs in Atlantic City and Ocean City to the south. The costs of home care in Paramus are roughly $200 higher when compared to the neighboring western cities of Philadelphia and Poughkeepsie. 

Paramus

$5,529

New Jersey

$5,529

United States

$4,957

Philadelphia

$5,329

Poughkeepsie

$5,339

Atlantic City

$5,529

Ocean City

$5,529

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

Monthly average home care costs in Paramus are slightly more affordable than assisted living by almost $221, respectively. Adult day care is the most affordable option, being about $3,575 less than home care, but requires transportation. Home health care is only approximately $200 more and includes medical monitoring and medication administration, versus in-home care, which supports daily tasks such as bathing and meal preparation. Nursing Home Care is the most expensive and is available for around $6,940 more than home care.

Home Care

$5,529

Home Health Care

$5,720

Adult Day Health Care

$1,950

Assisted Living

$5,750

Nursing Home Facility (semiprivate room)

$12,471

Note: Data for Paramus was unavailable, so data for the nearest county, New York City Area, was used instead. 

Financial Assistance for Home Care in Paramus, 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.

Paramus 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 Paramus:

ResourceContactAddressService
Meals on Wheels(201) 336-7474Bergen County Department of Human Services, One Bergen County Plaza, 2nd Floor, Hackensack, NJ 07601-7076Meals on Wheels provides housebound seniors with meals delivered to their doors. To be eligible, seniors must be over the age of 60 and unable to prepare a nutritious meal themselves or unable to leave the house unassisted. Seniors must not require a special diet and must not have home assistance for longer than 4 hours per day. Seniors can choose between one hot meal delivered daily, or 7 frozen meals delivered once a week. A donation of $1.25 is suggested for each meal to assist with costs. 
Weatherization Assistance Program(201) 968-0200GBCA Headquarters, 392 Main Street, Hackensack, NJ 07601The Weatherization Assistance Program is a nationally-funded program that provides repair services to improve home energy efficiency. To be eligible for the program, applicants must be residents of Bergen County and below 200% of the Federal Poverty Level. Successful applicants receive a house inspection to determine what home improvement services need to be done. Services include replacing faulty windows, repairing water heaters and air filter repairs. 
The Joseph Cipolla Senior Activity Center(201) 265-210093 North Farview Avenue, Paramus, NJ 07652The Joseph Cipolla Senior Activity Center offers various activities and programs to Paramus Seniors aged 62 and above. Activities include art classes, yoga and bingo, as well as trips into the community. There are also two senior citizens clubs, sponsored by the Borough of Paramus, which meet at the Senior Center. One of the clubs takes place on the 2nd and 4th Wednesday of the month from 11 a.m. and includes coffee, cake and live entertainment. 
Low Income Home Energy Assistance Program (LIHEAP)(201) 265-2100The Borough of Paramus, 1 West Jockish Square, Paramus, NJ 07652LIHEAP is a government-funded program that provides low-income households with financial assistance for paying bills. To be eligible, applicants must not exceed the income guidelines (e.g. $2,082 gross income for a one-person household, $2,819 for a two-person household). Successful applicants receive a one-off payment to help with electricity, gas, heating and cooling costs. Emergency assistance funds can also be given at certain times of the year. Applicants usually receive an average of $300 towards energy bills.

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.

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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