The Best Home Care Agencies for Seniors in Marlton, NJ for 2025

According to Genworth Financial’s 2020 Cost of Care Survey, the average price for home care in Marlton is $4,767 per month. This is about $200 less than the New Jersey average of $4,957 per month and about $300 more than the national average of $4,481 per month. Atlantic City has the same home care costs as Marlton. Trenton has the most expensive home care prices in New Jersey at $4,910 per month. Vineland has some of the least expensive home care costs at $3,718 per month.

In Marlton, the average price of both home care and home health care is $4,767 per month. Some families may end up paying more for home health care because it provides additional limited medical services, such as vital signs monitoring and wound dressing. Assisted living facilities in Marlton cost an average of $5,550 per month. Adult day health care is the least expensive senior care option in Marlton, but it only provides care during limited hours. A high level of medical care makes nursing homes the most expensive type of elder care in Marlton. A semiprivate room costs an average of $12,498 per month.

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.