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

Q: How many home care agencies are there near Princeton?

There are 38 <a href="https://www.caring.com/senior-care/in-home-care/new-jersey/princeton">home care agencies</a> in and around the Princeton area. The agencies may vary in the types of services they offer and the associated prices, so seniors and their families should contact each one they are interested in to discuss their unique needs and the services they require.

Q: How do you pay for senior care at home?

Seniors and their loved ones have a number of options for <a href="https://www.caring.com/senior-care/in-home-care/how-to-pay/">paying for home care</a>. Options include veterans benefits, long-term care insurance and Medicaid. New Jersey seniors may also be eligible for the <a href="https://www.nj.gov/humanservices/dmahs/home/mltss.html">Medicaid Managed Long term Services and Supports (MLTSS)</a> which allows low-income seniors to access their medical and nonmedical care services through one community. This can include a range of services, such as personal care and assisted living.

Q: What types of services can a home care agency in Princeton, NJ, provide?

Home care agencies offer a wide range of support services for seniors, including personal care, such as grooming, dressing and bathing. Agencies also usually offer household support such as cleaning and cooking, as well as grocery shopping. The level and amount of support provided can be tailored to each individual and their unique needs.

Q: What is a nonmedical home care service?

A nonmedical home care service encompasses all support services that don’t need to be provided by a nurse or therapist. Nonmedical services include assistance with daily living tasks such as housekeeping, grooming and meal preparation, as well as services such as transportation and laundry. For medical services such as medication administration and physical therapy, seniors may find home health care more suitable.

Q: What to expect with hospice care at home?

At-home hospice care is designed to keep your loved one as comfortable as possible in the last stages of their life. The services provided vary and can be customized to meet the needs of each senior. Care provided may be given as a substitute for living in a nursing home or medical facility so that they can be more comfortable at home. Services that can be provided include assistance with personal care such as bathing and dressing and support with household chores. If medical services are needed, a <a href="https://www.caring.com/senior-care/home-health-agencies/">home health care agency</a> can facilitate this.

The historic city of Princeton, New Jersey is situated in Mercer County and offers plenty of urban amenities amid a small-town atmosphere. Princeton has a humid continental climate of chilly winters and very warm summers. This small university city’s attractions are numerous and include plenty of parks and gardens, such as Prospect House Garden. There are also many dining and cultural venues, such as the Boheme Opera House. Princeton is also home to assorted historic sites, including Albert Einstein’s house. This small city has a modest population of 31,187 according to 2019 U.S. Census Estimates. Of these residents, 16.8% are 65 years of age or older, almost the same as the 16.5% average for the United States as a whole.

High quality primary medical care options are easily accessible in the city due to the presence of Princeton HealthCare System’s facilities and Penn Medicine Princeton Health. Homemaker and home health aide services have average respective costs of $4,910 and $4,957 in the region. This is a bit more expensive than national average prices of $4,481 and $4,576 for these services according to Genworth Cost of Care Survey 2020 data.

Note: Home care cost data wasn’t available for Princeton, so data for the closest city, Trenton Area, was used.

At Caring.com, we’ve compiled a comprehensive directory of every home care provider in the Princeton area – complete with types of care provided, services offered and reviews from families who’ve actually used the service. In addition to our in-depth provider listings, we’ve compiled a list of resources to help seniors and their families access all the tools they need to age in place safely and gracefully.

Home Care Agencies in Princeton, NJ

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Paying for Home Care in Princeton, NJ

The Cost of Home Care in Princeton, NJ

The cost of care in Princeton is $5,148 per month, around $400 lower than the New Jersey average and $200 higher than the national average. In Atlantic City and Ocean City, the care costs match the state average of $5,529. Vineland has the most affordable care costs, averaging $4,767 per month. Across the state border in New York City, home care costs equal the New Jersey average.

Princeton

$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 Princeton, NJ

Home care in Princeton costs around $5,148 per month, approximately $100 less than the cost of home health care, which also includes medical services such as medication administration. Adult day health care is the most affordable option for seniors seeking only daytime support, costing around $1,866 per month. Seniors living in Princeton assisted living facilities typically pay around $8,145 per month, $3,000 more than home care. A private room in a nursing home typically costs $11,650, which is $6,500 more than home care.

Home Care

$5,148

Home Health Care

$5,243

Adult Day Health Care

$1,866

Assisted Living Facility

$8,145

Nursing Home Facility (semiprivate room)

$11,650

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

Financial Assistance for Home Care in Princeton, 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 Princeton, NJ

Seniors in Princeton have access to various programs and resources to help them age in place. Some government and locally funded agencies offer services such as nutrition programs and assistance with paying utility bills.

Resource	Contact	Service
Meals on Wheels	(609) 695-3483	Meals on Wheels is a nationally run program that provides seniors with nutrition support. Eligible participants are delivered meals daily between 10:30 am and 1:00 pm by friendly volunteers. To be eligible, seniors must be over 60 or a veteran of any age. They must also be homebound and unable to prepare their own meals. The menus rotate every month and special dietary requirements can be considered.
Princeton Senior Resource Center (PRSC)	(609) 751-9699	PRSC is a nonprofit organization that provides a range of useful services and programs for seniors in Princeton. Available programs include exercise classes such as yoga, table tennis and pickleball, enrichment programs such as drawing, cosmology and memoir writing, and benefits assistance for Medicare and SNAP. All seniors are eligible to visit the center and take part in activities.
Low Income Home Energy Assistance Program (LIHEAP)	(609) 989-6858	The LIHEAP is a federally funded program that supports low-income households in paying their household bills. It helps with heating bills during the winter and cooling bills in the summer. To be eligible, seniors must meet income requirements (e.g., an income of less than $3,348 for a one-person household).
Isles Weatherization program	(609) 341-4700	The Isles Weatherization Program offers free home energy improvements to low-income households that meet eligibility criteria. For a one-person household, gross annual income must not exceed $27,180. The program is available to homeowners and renters and anyone who receives food stamps or Temporary Assistance to Needy Families (TANF) is automatically qualified. Weatherization services include an energy audit, heating system repairs and ventilation upgrades.
State Health Insurance Program (SHIP)	(609) 989-6661	The SHIP provides seniors in New Jersey with Medicare and Medicaid benefits counseling. It is funded by the New Jersey Department of Medicare and Medicaid Services. Counselors offer unbiased support and advice about accessing government health insurance.

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.

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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

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