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

Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Shrewsbury, NJ, residents and their loved ones rate In Home Care agencies 4.6 out of 5 stars across the 47 options below.

Home Care Services in Shrewsbury, New Jersey

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Paying for Home Care in Shrewsbury, NJ

The Cost of Home Care in Shrewsbury, NJ

Home care costs in Shrewsbury average $4,957 according to data published in the 2020 Genworth Cost of Care Survey. This is around 10% more than the average fee paid by the typical American although it’s in line with what the ordinary New Jersey resident pays. Despite this, Shrewsbury’s costs are at the top end of the scale. Trenton’s seniors pay around $47 per month less for home care, while in Atlantic City, the savings is $190. The most affordable city in the state is Vineland, saving seniors $1,239 per month when compared to Shrewsbury. 

Shrewsbury

$4,957

New Jersey

$4,957

United States

$4,481

Trenton

$4,910

Atlantic City

$4,767

Vineland

$3,718

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

Despite home health care also providing treatments by registered nurses and therapists, its average cost of $4,957 is the same as home care. Adult health centers offer the most affordable care at $1,950, while assisted living is the least expensive option that includes accommodation with fees averaging $5,991. The most costly is nursing home care where a semiprivate room typically costs $11,771.

Home Care

$4,957

Home Health Care

$4,957

Adult Day Health

$1,950

Assisted Living

$5,991

Nursing Home Care (semi-private room)

$11,771

Note: Data for Shrewsbury was unavailable, so data for the nearest city, New York, New York, was used instead.   

Financial Assistance for Home Care in Shrewsbury, 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 Shrewsbury, NJ

Shrewsbury’s seniors can access a wealth of resources aimed at helping them age safely and comfortably at home. The resources listed here show where to get help if energy costs are out of control, if cooking meals at home becomes too challenging and when rent and mortgage payments are overdue and can’t be paid. There’s also help for unpaid caregivers who need a break from caring for a loved one.

ResourceContactService
Home Energy Programs(732) 389-2204Shrewsbury seniors on low incomes who are spending more on energy than they should can get help from several state-sponsored programs. LIHEAP is for seniors struggling to keep their homes warm. For those who qualify, it can cover all the costs of repairing or replacing heating and cooling systems while also providing emergency fuel assistance. The Universal Service Fund can help reduce energy bills for seniors who qualify, and the Weatherization Assistance Program can make homes more energy-efficient while increasing residents' comfort and reducing fuel costs.
Meals on Wheels of Monmouth County(732) 747-5204Meals on Wheels of Monmouth County provides nutritionally balanced and healthy meals to homebound seniors. The nonprofit organization's volunteers deliver freshly prepared meals to seniors daily and make wellness checks during each visit.
Rental & Mortgage Assistance(732) 775-0525Interfaith Neighbors Inc. is a nonprofit organization founded in 1988 to help the needy in Monmouth County. It's a collective of over 45 members that contribute financially towards the rent and mortgage costs of seniors who are unable to pay. Applicants who get approval for support can get help to cover rent arrears and mortgage payments. The program's overall purpose is to help seniors get through temporary crises and find financial stability.
Respite Care Program(877) 222-3737This program's purpose is to provide temporary support to unpaid caregivers who look after loved ones. It can cover the costs of employing a professional caregiver to care for the senior while the family member takes time off. This can be for a day to allow the caregiver to catch up on personal errands, or it could be longer if they're going on vacation.

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
Checklist for determining the need for home care
Checklist for determining the need for home care

Frequently Asked Questions

Reviews of Care Providers Nearby

Home Care

June K_6

I am a current client of this provider

Review of Comfort Keepers In Home Care

They help me and they are always here. They are very polite. They are on time they are very caring. They make sure I comfortable.

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Home Care

Robert "Bob" P_1

I am a current client of this provider

Review of Comfort Keepers In Home Care

It is very helpful. They have allowed him a little bit of freedom and safety. They are on time, thorough, gracious, and overall nice people.

Read more

Home Care

Marti F_1

I am a current client of this provider

Review of Comfort Keepers In Home Care

They help me with all my needs that I need as I am blind. Like showering, preparing my food and other things. They are very efficient.

Read more

In Home Care near Shrewsbury, NJ

Little SilverRed BankFair HavenOceanportEatontownTinton Falls

Other Options in Shrewsbury, NJ

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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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