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

Bordering the Raritan River and Arthur Kill, the county is well-connected by major highways. With a lower percentage of seniors than state and national figures, adults aged 65 and older compose approximately 15.9% of the county’s estimated population of 860,000. Seniors may be eligible for property tax deductions, and neither Social Security income nor military pensions are taxed. Crime rates and health costs are lower than national averages, and Middlesex County has several doctors per capita. The county is home to Hackensack University Medical Center and ranks nationwide in cardiology, neurology, orthopedics and urology. Based on Genworth’s 2021 Cost of Care Survey, seniors pay an average of $5,148 for home care in Middlesex County. Unlike home health care, this doesn’t incorporate any clinical care or services.

Below we’ve compiled a comprehensive directory of every home care provider in Middlesex County– 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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Paying for Home Care in Middlesex County, NJ

The Cost of Home Care in Middlesex County, NJ

Because of their proximity, Middlesex County and the state capital of Trenton share the same average cost of $5,148 for home care. This is $191 pricier than the U.S. average but $381 lower than the New Jersey median rate of $5,529. Home care fees are lower in Middlesex County than in Atlantic City and Ocean City, both of which have the same price as the state average. The median monthly price in New York is also higher, at $5,529. South of Middlesex County in Vineland, costs decrease by $381 each month.

Middlesex County

$5,148

New Jersey

$5,529

The United States

$4,957

Atlantic City

$5,529

Ocean City

$5,529

Vineland

$4,767

New York City

$5,529

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

Home care is suitable for seniors who need assistance with day-to-day activities, while home health care includes medical services, such as rehabilitation therapies and health monitoring. The latter costs around $95 more per month than home care. Individuals who receive support in a residential assisted living community generally pay almost $3,000 more monthly. Nursing facilities typically charge more than double the price of home care agencies. Adult day care offers the most affordable care option for Middlesex County’s older residents.     

Home Care

$5,148

Home Health Care

$5,243

Adult Day Care

$1,866

Assisted Living

$8,145

Nursing Home Care (semiprivate room)

$11,650

Note: Data for Middlesex County was unavailable, so data for the nearest city, Trenton, was used instead.

Financial Assistance for Home Care in Middlesex County, 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.

Middlesex County 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 Middlesex County:

ResourceContactService
Middlesex County Senior Meal Program(732) 745-3295The Middlesex County Meals Program serves as the regional Meals on Wheels service of the County Office of Aging and Disabled Services. This nutrition initiative, which is available to seniors aged 60 or older throughout the county, is funded by federal grant money and client donations. Meals aren’t denied to clients who can’t pay, but a recommended donation of $2.75 is requested. Assorted menu options that cater to different dietary needs are delivered to the doors of homebound members of the program.
New Jersey Shares(866) 657-4273For New Jersey Seniors who don’t qualify for other utility assistance programs such as LIHEAP or USF, and who have an income lower than 400% of the Federal Poverty Guidelines, NJ Shares offers temporary utility payment assistance for those who’ve fallen behind on paying their bills due to a financial crisis. The program is available all year and can be used to pay water, gas, telecommunications and electrical bills.
New Jersey Weatherization Assistance Program (WAP)(732) 828-4672New Jersey’s Weatherization Assistance Program offers weatherization and repair services to income-eligible residents of the state. The program is funded by state and federal money. Low-income seniors and households with low-income families or disabled members are given preference. The New Jersey Department of Community Affairs manages this program, but applicants enroll through local weatherization partners in their county. In Middlesex, this is through the PRAB community action agency. Seniors receiving Supplemental Security Income are automatically eligible, and the weatherization program works on owned or rented homes for weather extremes at no cost.
State Health Insurance Program (SHIP)(732) 745-3295The State Health Insurance Program of New Jersey offers senior residents of the state free counseling on obtaining and managing their New Jersey Medicare and other health insurance benefits. The New Jersey Department of Human Services and the federal Centers for Medicare & Medicaid Services fund this initiative. The counselors of SHIP offer unbiased advice about government health insurance claims, long-term care insurance and Medicare or Medicaid coverage benefits. Seniors can contact the County Office of Aging and Disabled Services for a SHIP counselor.

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 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.

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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