The 10 Best Home Care Agencies for Seniors in Plainfield, NJ for 2024
North Plainfield is a borough in Somerset County, New Jersey, where 11.2% of its 22,808 residents are older adults aged 65 and above. While the proportion of older residents in the community is lower than the national average, the area has many aging-in-place resources for its seniors. Health care in North Plainfield is more affordable than in the rest of the country, and seniors are within easy reach of medical facilities, such as the JFK University Medical Center.
According to the Genworth Cost of Care 2021 Survey, the average cost for home care in the city is $5,529, while home health care costs $5,720. Home health care services include both medical and nonmedical personal care services, while home care providers are limited to nonmedical care only.
Below we’ve compiled a comprehensive directory of every home care provider in the North Plainfield 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.
Home Care Agencies in Plainfield, NJ
69 Results
2nd Family Northern New Jersey
181 New Road, Suite 304 , Parsippany, NJ, 07054
5.0
(4 reviews)
"The agency has provided an aide, Michael, who is top notch. He is so caring and so efficient. My husband is very pleased with him and is comfortable in his care. I am also very comfortable leaving my husband with Michael knowing he is in such good..."
READ MORESerene Home Care Agency
752 Bergen St , Newark, NJ, 07108
Vitality Health Care
16 Orange Street , Bloomfield, NJ, 07003
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Paying for Home Care in North Plainfield, NJ
North Plainfield’s older residents can receive care in the comfort of their homes for an average cost of $5,529 per month. According to the Genworth Cost of Care 2021 Survey, rates in the area are in line with the New Jersey median but significantly higher than the national average of  $4,957.
The Cost of Home Care in North Plainfield
Home care prices in North Plainfield match the average costs in both Ocean City and Atlantic City. Less than an hour’s drive southwest in Trenton, costs are lower than in North Plainfield by $381. Rates for home care are even lower further south in Vineland where seniors pay an average of $4,767 for in-home care.
North Plainfield
$5,529
New Jersey
$5,529
The United States
$4,957
Trenton
$5,148
Vineland
$4,767
Ocean City
$5,529
Atlantic City
$5,529
The Cost of Home Care vs. Other Senior Care Options in North Plainfield
Rates for home health care in North Plainfield are $191 above home care. Nursing homes are the highest-priced type of senior care available in North Plainfield at an average monthly cost of $12,471. Seniors who opt-in for adult day health care only pay an estimated $1,950 each month. Assisted living facilities cost on average $5,750 per month, slightly more than in-home care, but they also provide a comfortable residential setting.
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 North Plainfield was unavailable, so data for the nearest city, New York, NY, was used instead.
Financial Assistance for Home Care in North Plainfield, 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 North Plainfield, NJ
North Plainfield retirees are served by several nonprofits and government agencies that were created to enhance their quality of life. Resources directed at older adults can help them save money, understand their rights and make informed choices about long-term care.
Resource | Contact | Service |
---|---|---|
Office on Aging and Disability Services | (908) 704-6346 / (888) 747-1122 | The county’s Aging and Disability Resource Center serves as the first point of contact between older adults and local programs. Seniors can receive information on nearby services that they're eligible for. Services provided include options counseling, meal deliveries and benefits screenings. |
State Health Insurance Program | (908) 704-6346 | This is a statewide program delivered locally by the Area Agency on Aging. Volunteer counselors can help seniors who are eligible for Medicare understand their health insurance options and make informed decisions. |
Lifeline Utility Assistance | (800) 792-9745 | This program is overseen by the state of New Jersey’s Division of Aging Services. Low-income seniors aged 65 and older may be eligible for an annual benefit. Lifeline is a financial assistance initiative created to help seniors with the cost of their electricity and natural gas bills. |
New Jersey Low Income Home Energy Assistance Program (LIHEAP) and Universal Service Fund | (908) 454-7000 | The state’s Department of Community Affairs delivers several financial aid programs that may help low-income seniors with the cost of energy bills. Older adults can contact their local office to find out if they qualify. Assistance may include weatherization repairs, energy bill reductions and financial assistance towards emergency expenses. |
Somerset County Office of Veterans Services | (908) 704-6329 | Created for seniors who served in the U.S. Armed Forces, the county’s veterans services office exists to help former service members claim all benefits that they're entitled to receive. Seniors can contact the office for support in navigating the VA benefits system. |
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.
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.