The Best Home Care Agencies for Seniors in Cape May County, NJ for 2025

The Genworth 2021 Cost of Care Survey doesn’t include cost data for Cape May County, so local care costs are based on rates in Ocean City, which is located within the county. Home care agencies in this region charge $5,529 for care, which is several hundred dollars over the national median but in line with the state rate. Care costs in surveyed cities within the state are considerably cheaper, with seniors in Vineland paying $4,767 and those in Trenton paying $5,148. Across state lines in Dover, Delaware, rates are closer to Cape May County’s average at $5,339.

Home care agencies in Cape May County provide nonmedical services in the individual’s home and charge $5,529 per month. Home health care costs the same monthly rate but includes skilled nursing in addition to companion and personal care services. Adult day health care is a cheaper alternative to in-home care, costing $1,993 per month. Assisted living is nearly $2,000 more at $7,490, and nursing home care is nearly double the cost of home care at $10,007 monthly.  

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.