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

Hackensack is an ethnically diverse and leafy city, rated in Caring’s Senior Living Report as the No.1 place for seniors to live in New Jersey and 61st overall. Its high numbers of primary care physicians and above-average patient satisfaction rates appeal to many seniors, as does its proximity to several highly respected hospitals, including the nationally ranked Hackensack University Medical Center. There are also numerous home care agencies in the city, which, according to the 2021 Genworth Cost of Care Survey, typically charge $5,529 per month for their services. Home care is a non-medical service that shouldn’t be confused with home health care, which provides home-appropriate medical care.

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

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Paying for Home Care in Hackensack, NJ

The Cost of Home Care in Hackensack, NJ

The results of the 2021 Genworth Cost of Care Survey reveal Hackensack’s median cost for home care is $5,529 per month, which is also the norm for New Jersey. The national average is $4,957, about 10.1% below Hackensack’s typical fee, but since New Jersey is in the nation’s top 10 most expensive states, this isn’t surprising. Seniors in Atlantic City share the same average fee as their peers in Hackensack, but those in Trenton and Vineland typically pay less, with fees averaging $5,148 and $4,767, respectively.

Hackensack

$5,529

New Jersey

$5,529

United States

$4,957

Trenton

$5,148

Atlantic City

$5,529

Vineland

$4,767

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

At $1,950 per month, seniors in adult day health centers pay the lowest fees in Hackensack. Home care costs are significantly more, at $5,529 for one-on-one services, while home health care agencies charge an additional $191 per month for medical support. At $5,750, assisted living is the least costly type of care that includes accommodations, while a semiprivate room in a nursing home is more than double that, at $12,471.

Home Care

$5,529

Home Health Care

$5,720

Adult Day Health Care

$1,950

Assisted Living Facility

$5,750

Nursing Home Facility (semiprivate room)

$12,471

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

Financial Assistance for Home Care in Hackensack, 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 Hackensack, NJ

Many government agencies and nonprofits help Hackensack’s seniors age in place. Those listed here can help reduce energy costs, deliver nutritional meals and conduct home improvements.

ResourceContactService
Low Income Home Energy Assistance ProgramApply HereFunded by the federal government and administered by the State of New Jersey, the Low Income Home Energy Assistance Program can help homeowners and renters struggling to pay their heating and cooling bills. To be eligible for support, the applicant must be responsible for paying their home fuel costs and can't have an income that exceeds 60% of New Jersey's median. The program pays the energy supplier directly, except when fuel costs are included in the resident's rent.
USDA Loans and Grants(856) 285-7679The USDA can help homeowners fund home improvements through loans and grants, commonly known as the Section 504 Home Repair Program. Loans of up to $40,000 at fixed 1% interest rates over 20 years are available for home repairs. Grants of up to $10,000 are also available to repair health and safety hazards in the home for residents aged 62+. Grants need only be repaid if the senior sells the property within 3 years of it being approved. To be eligible for a loan or grant, the homeowner must provide evidence they can't get financing elsewhere and have an income at or below the limit for Bergen County.
Meals on Wheels(201) 336-7420Bergen County Division of Senior Services administers several home-delivered meal programs throughout the county. Eligible adults are aged 60+, unable to prepare their own meals and not in receipt of Managed Long Term Support Services. Deliveries are on weekdays, and seniors can choose from a hot or frozen meal plan. The suggested donation per meal is $1.25, although no senior is refused a meal if they're unable to donate.
Weatherization Assistance Program(732) 828-4510The Weatherization Assistance Program covers the costs of necessary home improvements for homeowners and renters whose incomes are no more than 200% of the Federal Poverty Level. Renters must get permission from the property owner before work can be carried out. After being approved, the program pays for a home energy audit to determine the type of work required, which can include installing insulation in the attic and walls, repairing the HVAC system and sealing sources of air intrusion/leakage.

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

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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