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

A historic coastal community located east of Trenton, Monmouth County, New Jersey, is home to more than 645,000 people. Nearly 19% of the population is made up of seniors aged 65 and over — significantly more than the national rate of roughly 17%. The area supports its older adults with a vibrant network of social and economic programs that together help seniors age in place and avoid admission to nursing home care for as long as possible. The area is close to shopping and entertainment venues and boasts a significant stretch of the world-famous Jersey Shore. It’s also home to several museums and sites of historical interest.

According to the 2021 Genworth Cost of Care Survey, the average cost of home care in Monmouth County is $5,148 a month. While this senior care option does not include medical services, area seniors can get outstanding care at St. Peter’s University Hospital and Monmouth Medical Center, both of which accept Medicare and have senior health specialists available for older patients.

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

The Cost of Home Care in Monmouth County, NJ

The cost of in-home care in Monmouth County is reasonable when compared to both the state average and most other communities in the region. According to the Genworth Cost of Care Survey, home care in Monmouth County is $381 a month lower than average for the state as well as costs in Atlantic City, Ocean City and nearby New York City — all of which run to $5,529 a month for similar services. Nationally, care is less expensive at $4,957 a month. Within New Jersey, only Vineland’s $4,767 is lower than Monmouth County’s average. 

Monmouth 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 Monmouth County, NJ

The $5,148 a month cost of home care in Monmouth County is $95 less than what seniors in the area typically pay for home health services, although the latter includes light medical services. Still, both types of in-home senior care are less expensive than assisted living in Monmouth County, which averages $8,145 a month. Nursing home care offers the highest level of services with a semiprivate room costing $11,650. Adult day health care can be a more affordable alternative, at $1,866. 

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 Monmouth County was unavailable, so data for the nearest city, Trenton, was used instead. 

Financial Assistance for Home Care in Monmouth 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.

Monmouth 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 Monmouth County:

ResourceContactAddressService
Meals on Wheels of Monmouth County(732) 807-27081201 Springwood Ave, Asbury Park, NJ 07712The Monmouth County Meals on Wheels program offers noon meal service to homebound seniors throughout Monmouth County and is available to elders over age 60. Limited weekend meal deliveries are also available to completely homebound elderly individuals. Funding for Meals on Wheels comes from the county government, a USDA grant, donations for meals from participants and from donors. The program also offers group lunches across several senior centers throughout the principal towns and cities inside Monmouth County.
Project Lifesaver(732) 431-74503000 Kozloski Road, Freehold, NJ, 07728This initiative from the Monmouth County Sheriff’s Department and the Monmouth County Office on Aging offers seniors residing in the county a bracelet that comes with a small radio frequency device. County Sheriff’s officers can then use this to locate elderly individuals who become lost or disoriented. The device is available free of charge to senior residents and is especially recommended for those undergoing the onset of dementia or Alzheimer’s disease. Sheriff’s deputies visit each participant’s home once every 60 days to recharge these devices and make sure they’re working properly.
Monmouth County Office on Aging(732) 431-74503000 Kozloski Road, Freehold, NJ, 07728The Office on Aging of New Jersey offers a range of support services and programs for elderly residents of the state who are aged 60 or older. The specific support programs directly offered by the Office on Aging or coordinated through it include several senior centers throughout the county, free legal aid by South Jersey Legal Services Inc. and a Special Citizens Area Transportation program for essential trips inside the county. The office also offers adult protective services and a residential maintenance program that delivers emergency home repair and cleaning for qualified seniors.
New Jersey Shares(866) 657-42734 Walter E. Foran Boulevard, Suite 105, Flemington, NJ 08822Elderly residents of New Jersey who don’t qualify for state utility assistance programs (LIHEAP and USF) and who earn no more than 400% of the Federal Poverty Guideline can apply to New Jersey Shares for temporary utility payment assistance to cover emergency financial situations. The program is open year-round and applies for water, gas, electricity and telecommunications bill payments.

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
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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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