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

Emerson is a quiet community where older adults make up nearly a fifth of the 7,300 residents. Older residents comprise a higher portion of the population than in the typical U.S. city, promoting access to a range of services that may help seniors remain at home. Low crime rates provide peace of mind to those who live alone, while affordable, accessible health care makes the community a prime long-term option for those with medical needs. Several hospitals are situated nearby, including Hackensack Meridian Health Pascack Valley Medical Center less than a mile away in Westwood and Bergen New Bridge Medical Center in Paramus. Home care costs in Emerson are consistent with the state median at $4,957 per month. Home care is for those who need help with daily activities, while older adults who need some skilled nursing services, such as catheter care or diabetes management, may be good candidates for home health care. 

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

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Paying for Home Care in Emerson, NJ

The Cost of Home Care in Emerson, NJ

According to data from the Genworth 2020 Cost of Care Survey, seniors in Emerson pay $4,957 per month for home care. This is equal to the New Jersey median but several hundred dollars higher than the national average rate of $4,481. In the Trenton area, located about 80 miles south of Emerson, seniors pay $4,910 for monthly care. In Atlantic City, the monthly care rate is considerably higher at $5,790, and in Ocean City, rates are competitive at $4,362.  

Emerson

$4,957

New Jersey

$4,957

United States

$4,481

Trenton Area

$4,910

Atlantic City Area

$5,790

Ocean City

$4,362

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

Seniors in Emerson have several local care options ranging in cost from less than $2,000 monthly to nearly $12,000. Home care and home health care are moderately priced at $4,957 per month and may be suitable for those who want to remain in their own homes. Seniors who live at home may obtain more affordable care via adult day health care, which costs $1,950 monthly. Assisted living, which is similar in scope to home care, is about $1,000 more at $5,991. Nursing home care is the priciest option at $11,771.  

Home Care

$4,957

Home Health Care

$4,957

Adult Day Health

$1,950

Assisted Living

$5,991

Nursing Home Care (semiprivate room)

$11,771

Note: Data for Emerson was unavailable, so data for the nearest city, New York Area, was used instead. 

Financial Assistance for Home Care in Emerson, 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 Emerson, NJ

The Emerson region is home to numerous nonprofit organizations and programs that help qualifying seniors obtain the services and care they need at home. Through the following resources, qualifying individuals can arrange home-delivered meals, transportation services and personal care, helping them maintain their privacy and independence.   

ResourceContactService
Bergen County Division of Senior Services(201) 336-7400The Bergen County Division of Senior Services administers a variety of programs to those aged 60 and over in the Emerson area. It oversees the region’s Meals on Wheels program, which delivers fresh, healthy meals to those unable to shop for or prepare meals themselves, and it offers the Wellness Check Program, which provides daily phone calls to older adults who live alone. The division also has options counselors who help qualifying individuals obtain veterans’ benefits, Medicare and public benefits that may help them cover in-home care expenses.
Greater Bergen Community Action(201) 968-0200Greater Bergen Community Action is a nonprofit organization with an array of supportive programs for qualifying individuals in the Emerson region. It administers the Emergency Home Rehabilitation program, which provides financial assistance to qualifying individuals for necessary home repairs for roofing systems, electrical and plumbing systems, windows, doors and HVAC systems. The organization also has an energy bill assistance program to help those with burdensome gas and electric bills avoid disruptions in service.
Bergen Family Center(201) 503-5860Bergen Family Center’s Older Adult Services program serves those aged 60 and over in the Emerson region. It facilitates an adult day care program, which can help some individuals control home care costs, and it administers care management services to help housebound individuals aged 60 and over obtain and pay for home care services. It also has support services for caregivers, including monthly meetings and training opportunities.
Bergen Volunteers(201) 489-9454Bergen Volunteers is a volunteer-run organization that provides a broad scope of services to help older adults in Emerson maintain their independence at home. Through this program, seniors connect with volunteers who provide services, such as prescription pick-up, library book returns and grocery shopping. Qualified volunteers provide services to help seniors remain in their homes, including light switch and outlet replacements, simple plumbing repairs and changing light bulbs and smoke alarm batteries.

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 – often times 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.

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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.  

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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

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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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