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

Situated at the mouth of the Hudson River in south-central New Jersey, Ocean County offers cultural amenities, comfortable weather throughout the year and access to high-performing medical facilities such as Southern Ocean Medical Center and Saint Peter’s University Hospital. There are about 640,000 residents in the county, about 22% of whom are retirement aged. By comparison, seniors make up roughly 17% of the state’s population. The county’s overall cost of living is low compared to the state norm, which may enable older adults to maintain their standard of living throughout retirement, and comfortable weather throughout the year provides time to enjoy relaxing outdoors.

Home care agencies in Ocean County charge an average of $5,529 per month for services such as light housekeeping and laundry, meal preparation, grocery shopping assistance and personal care. Home health care may be a better alternative for those who need light medical services from a professional, such as medication administration and disease management.

Below we’ve compiled a comprehensive directory of every home care provider in Ocean 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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Home Care Agencies in Ocean County, NJ

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Paying for Home Care in Ocean County, NJ

The Cost of Home Care in Ocean County, NJ

The Genworth 2021 Cost of Care Survey doesn’t outline long-term care cost data for Ocean County, but based on care costs in nearby Atlantic City, it estimates local home care rates at $5,529 per month. While this is several hundred dollars higher than the national norm of $4,957, it’s consistent with the state average. In Ocean City, which is located about 60 miles south, care costs are the same, and in Trenton, rates trend a few hundred dollars lower at $5,148 monthly. In Vineland, home care rates are over $700 lower than in Ocean County at $4,767. 

Ocean County

$5,529

New Jersey

$5,529

The United States

$4,957

Ocean City

$5,529

Vineland

$4,767

Trenton

$5,148

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

Home care agencies in Ocean County charge an estimated $5,529 per month for nonmedical services such as light housekeeping and meal preparation. Home health care includes specialized skilled nursing services such as vitals monitoring and wound care for a slightly higher monthly rate of $5,625. Adult day health care is an affordable alternative to home care at $2,134. Assisted living costs about $300 more and $5,807 monthly, and nursing home care is considerably costlier at $9,125.  

Home Care

$5,529

Home Health Care

$5,625

Adult Day Care

$2,134

Assisted Living

$5,807

Nursing Home Care (semiprivate room)

$9,125

Note: Data for Ocean County was unavailable, so data for the nearest city, Atlantic City, was used instead.

Financial Assistance for Home Care in Ocean 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.

Ocean County Home Care Resources

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 – often times 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.

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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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