More than 9 million people live in the Garden State, New Jersey, 16.6% of whom are seniors aged 65 and up. Around 190,000 New Jersey seniors are living with Alzheimer’s, with that number projected to jump to 210,000 by 2025. The number of deaths from Alzheimer’s disease in 2019 was 2,629, making dementia-related fatalities the 6th leading cause of death in New Jersey. 

Seniors living in New Jersey have access to excellent healthcare options statewide and live close to major metropolitan cities, including New York and Philadelphia, where medical specialists, research universities and other specialty medical care exists. Healthcare costs in New Jersey are slightly below the national average, and there are approximately 259 physicians for every 100,000 New Jersey residents. Memory care services in a New Jersey residential facility costs an average of $8,119 per month

Memory care can either be offered on its own in a community designed especially for those with dementia or Alzheimer’s, or, more often, it’s provided as a service in a separate wing of an assisted living facility. Memory care programs are designed specifically for those with memory impairment, and the facilities often coordinate social activities and schedules specifically for the needs of those living with Alzheimer’s or dementia.

This guide provides an overview of memory care costs in New Jersey. Included are comparisons of memory care expenses with the costs of other senior-related care services, plus information on ways to pay for memory care, state regulations pertaining to memory care programs and a list of free and low-cost resources available to seniors living with memory loss in New Jersey.

The Cost of Memory Care in New Jersey

Note: Memory care costs are generally 20-30% higher than traditional assisted living rates. With no nationwide database tracking memory care costs in the United States at this time, we’ve tacked on 25% to the rates listed in Genworth’s 2021 Cost of Care Survey for Assisted Living Facility costs.

At $8,119 per month, New Jersey’s average memory care rates are slightly higher than similar types of care costs in its neighboring state of Delaware ($7,494), with New Jersey costs substantially higher than those in nearby Pennsylvania ($5,125) or New York ($5,725).

$8119

New Jersey

$5625

The United States

$7494

Delaware

$5725

New York

$5125

Pennsylvania

Costs for residential memory care in New Jersey can differ depending upon the area and exact location. Costs range from the highest at $10,181 in Trenton, the state capitol, to $7,259 per month in Atlantic City. In Vineland, memory care rates average $8,000 monthly, while in Ocean City costs are $1,363 more at $9,363 per month. 

$10181

Trenton

$9363

Ocean City

$8000

Vineland

$7259

Atlantic City

Memory care is one of many different types of care services available to seniors in New Jersey. Other options include adult day healthcare with an average cost of $1,950 per month, with rates going as high as $12,151 monthly for a private room in a skilled nursing facility. Assisted living costs average $6,495 while home healthcare care services and home care assistance cost $5,710 and $5,529 per month, respectively. 

$1950

Adult Day Health Care

$6495

Assisted Living

$5529

Home Care

$5710

Home Health Care

$8119

Memory Care

$11254

Nursing Home Care (semiprivate room)

$12151

Nursing Home Care (private room)

Does Medicaid Cover Memory Care in New Jersey?

Note: For the purposes of this guide, when we say “Memory Care” we are referring to memory care provided in a “social setting,” such as an Assisted Living Facility. This is the most common way to receive Memory Care and is the best fit for all but the frailest seniors. Sometimes the actual service of memory care can be provided in a Nursing Home (“medical setting”), so the financial assistance options will be very different. To learn more about the financial assistance options available for memory care provided in a nursing home, read our guide to Nursing Home Care in New Jersey.

New Jersey’s Medicaid program, Managed Long Term Services and Supports, provides comprehensive medical care and support services for people through a managed care organization that’s Medicaid-approved. 

Seniors in New Jersey who qualify for Medicaid and need residential memory care services can apply for Medicaid benefits online or through the social services office within their county. If an individual is already enrolled in New Jersey Medicaid, he or she should call the member services department at their managed care organization or contact the closest Aging and Disability Resource Connection to start the application process for Managed Long Term Services and Supports.

What Memory Care Services Are Covered by Medicaid in New Jersey?

The care and services available through the New Jersey Managed Long Term Services and Supports program are provided to seniors via NJ FamilyCare Managed Care Organizations, which manage and cover the healthcare services that are typically paid for by Medicaid. These covered services typically include:

  • Care management
  • Memory care services in an assisted living facility
  • Personal care assistance
  • Access to all benefits included in the NJ FamilyCare Plan A

This New Jersey Medicaid program does not cover the costs associated with assisted living room and board.

How to Know if You’re Eligible for Medicaid in New Jersey

In New Jersey, Medicaid eligibility for long-term care services is contingent on your household income, assets, residency, citizenship, age and disability classification. To be eligible for Medicaid and the Managed Long Term Services and Supports program, you must be:

  • 65 years old or older
  • A New Jersey resident
  • A U.S. citizen, permanent resident or have legal permission to live in the U.S.
  • In financial need with a maximum household income of $30,276 or less if applying as an individual
  • In possession of no more than $2,000 in assets (excluding an owner- or spouse-occupied home which has a home equity interest of $955,000 or less)
  • In need of a nursing home level of care based on cognitive and functional assessments

2022 Medicaid Income Limits for Seniors in New Jersey

Income Limits*

Asset Limits

Single Applicant

$2,523

$2,000

Two-Person Household (Only One Person Applying)

$2,523 (Applicant)

$2,000 (Applicant)

$137,400 (Non-Applicant)

Two-Person Household (Both People Applying)

$5,046

$3,000

*Per year

How to Apply for Medicaid in New Jersey

Clinical eligibility for New Jersey’s Managed Long Term Services and Supports is determined through the Division of Aging Services. To be eligible for Medicaid, first, an individual must apply for Medicaid benefits. This can be done online at the NY Family Care website or by going in-person to a local New Jersey County Welfare Agency

For individuals who are already receiving Medicaid benefits, representatives at an Aging and Disability Resource Connection can help with an application for the Managed Long Term Services and Supports program.

Information and Documentation You Will Need

When you apply for Medicaid in New Jersey, you will need to provide documentation that contains information pertaining to your personal and financial status. For instance, proof of income for the last five years will be needed, including a Social Security Award Letter, Veterans Administration Award Letter and bank or investment account statements. 

You may need to show copies of Federal Income Tax Returns, burial plot information, special needs trusts, prepaid funeral contracts, burial funds and other financial resources.

You will also be asked to show:

  • Proof of age (US passport or birth certificate, driver’s license, state-issued ID)
  • Proof of citizenship (US passport or birth certificate, naturalization papers, etc.)
  • Identity Proof (US passport or photo license)
  • Proof of marital status (marriage certificate or divorce decree, death certificate, separation papers)
  • Documentation of your living expenses (rent receipts, phone, water/sewer, health insurance, electric bills; mortgage statements, etc.)
  •  Copies of your Power of Attorney or Guardianship documentation

How to Get Help Applying for Medicaid

Seniors in New Jersey who need assistance in determining their eligibility and applying for Medicaid can receive free help from experts through a local program called Get Covered NJ. Trained, certified navigators assist individuals, either in person or remotely, to find out more information or apply for NJ FamilyCare, Medicaid and other programs.

The Division of Medical Assistance and Health Services administers the NJ FamilyCare programs for low-income seniors. A Medicaid Hotline is also available through the Department of Human Services to provide information and help with Medicaid enrollment. The Division of Aging Services Area Agency on Aging provides seniors with help in identifying needs and helping determine their options, with links to services and providers. The New Jersey Department of Human Services also has the NJHelps website to assist with obtaining health insurance like Medicaid.

Program

Contact

Services Provided

1-833-677-1010

Local certified agents are available to help with information and application enrollment in NJ FamilyCare, the publicly funded health insurance program for seniors who qualify for Medicaid. 

1-877-222-3737

Help is available to answer questions about New Jersey Medicaid, including eligibility factors as well as other social programs. This Area Agency on Aging division has offices in each of New Jersey's counties to provide easy access to information about long-term services and supports.

1-800-356-1561

A state social services caseworker assists with determining your eligibility for Medicaid and services.

1-800-701-0710

Seniors can apply for Medicaid's NJ FamilyCare program with help from a health benefits coordinator, either in person or over the phone. Offices are located in every county.

Does Medicare Cover Memory Care in New Jersey?

The short answer is that no, Medicare does not cover the cost of memory care in New Jersey. As was mentioned above, this doesn’t apply to Memory Care received in a Nursing Home. Since it is the most common to receive memory care in a “social setting” (such as an assisted living facility), Medicare won’t be a viable financial assistance option for most seniors who need Memory Care. However, Medicare will still cover things like approved medications, doctor visits, medical equipment, etc., just like it would if you lived at home.

For more information about when Medicare can be used to pay for Memory Care in a nursing home, and for Medicare-related resources, see our guide to Nursing Homes in New Jersey.

Other Financial Assistance Options for Memory Care in New Jersey

Seniors who are not eligible (due to location, financial situation, or other factors) for other types of financial assistance, do still have some options. See the table below for an overview of some of the most common ways to make Memory Care affordable.

How to Apply

How It Works

Aid and Attendance

Learn more and apply online at va.gov.

Veterans who receive a VA pension may also be eligible for the Aid and Attendance benefit, a monthly cash allowance that veterans receive in addition to their standard pension amount. The benefit is intended for veterans in need of long-term care services and may be used towards paying for Memory Care.

Reverse Mortgages

Learn more about your options and how to apply at ftc.gov

If you own a home, you may be able to use a reverse mortgage to help pay for Memory Care. Reverse mortgages are loans that one can take out against the value of their home, essentially converting some of the home's equity into cash. Reverse mortgage loans do need to be repaid with interest, typically within 12 months of receiving the loan.

Long-Term Care (LTC) Insurance

Learn more about Long-Term Care Insurance and how to apply for a policy at acl.gov.

Seniors who already have long-term care insurance may be able to use it to pay for Memory Care. Most policies cover at least a portion of the cost, but it depends on the specific policy terms. Note that older adults who are already in need of Memory Care will not typically be eligible to sign up for a LTC insurance policy.

Free and Low-Cost Resources for Seniors in New Jersey

Some free and low-cost resources are available to seniors living in New Jersey who need memory care services. Nonprofit organizations, nutrition programs and advocacy for seniors living in residential settings are a few of the resources individuals can access.

Program

Contact

Services Provided

Dial 2-1-1 or 1-877-652-1148

NJ 211 specialists are available to provide seniors with information and access to a wide variety of free and low-cost resources throughout the state. Food pantry programs, help with applying for the New Jersey Supplemental Nutrition Assistance Program, Medicaid, transportation options, flu vaccination clinics and registration for the NJ Special Needs Registry for Disasters. 

(888) 280-6055

Alzheimer's New Jersey is a not-for-profit organization providing programs and services to New Jersey seniors and their families affected by Alzheimer's disease. The programs include a helpline run by dementia experts, caregiver education programs, webinars, family support groups, respite care and wellness programs and care consultants to help with referrals to community supports and services.

(800) 272-3900

The Delaware Valley Chapter of the Alzheimer's Association serves seniors living in Southern New Jersey. This organization provides seniors living with dementia and their loved ones with a variety of local and web-based support services and educational information. There is also a 24-hour helpline. 

 (877) 582-6995

Ombudsmen advocate for the rights of residents living in long-term care facilities, such as memory care. They educate residents of their rights and solve conflicts that may occur between a resident and the facility. 

COVID-19 Rules for Memory Care in New Jersey

The following information is based on research done on several government websites, including state.nj.us/health/legal/covid19. These rules apply to nursing homes and other types of senior living facilities. We’ve most recently updated this data on 2/10/2022,, but since COVID-19 is a rapidly evolving pandemic, contact your local senior living facility or Area Agency on Aging for more specific and up-to-date information.

Visitation Policies

Rules for New Jersey Communities

Are loved ones allowed to visit to provide emotional support?

Yes (Conditions Apply)

Are relatives allowed to visit for end-of-life care?

Yes

Are residents required to quarantine after visiting with a loved one?

No

Are visitors required to wear PPE (including masks) in order to visit residents?

Yes

Are non-medical contractors (such as hairdressers and entertainers) allowed in senior living facilities?

Yes (Conditions Apply)

Does the state recommend or require that senior living facilities assist families with setting up virtual visit alternatives?

Yes

Are visitors checked for elevated temperatures?

Yes

Are visitors required to answer questions about health, travel, and potential virus contact?

Yes

Outings & Social Activities

Rules for New Jersey Communities

Are residents allowed to leave (errands, visiting family, etc.) for non-medical reasons?

Yes

Are residents who leave required to quarantine when they return?

No (Conditions Apply)

Are senior living communities required to cancel all group outings?

No

Are residents allowed to eat meals together in a common area?

Yes (Conditions Apply)

Are residents allowed to gather in common areas for group activites?

Yes (Conditions Apply)

COVID-19 Safety Measures for Staff and Residents

Rules for New Jersey Communities

Are staff members regularly required to do a temperature check?

Yes

Are staff members regularly tested for COVID-19?

Yes (Conditions Apply)

Are staff members members regularly required to do a health and safety screening, including questions about travel, contact with positive cases, etc?

Yes

Are residents regularly screened for COVID-19 symptoms?

Yes

Are residents regularly checked for elevated temperatures?

Yes

Are residents regularly tested for COVID-19?

Yes (Conditions Apply)

Memory Care Laws and Regulations in New Jersey

New Jersey residential facilities that offer memory care services and dedicated residential memory care programs are regulated by the New Jersey Department of Health. State regulations cover the level of care these facilities can offer, rules around medication administration and staff training requirements. In New Jersey, memory care facilities may be licensed as Assisted Living Residences (ALRs) or Comprehensive Personal Care Homes (CPCHs).

Memory Care Laws and Regulations in New Jersey

Scope of Care

Memory care facilities can provide 24/7 support, supervision and assistance with activities of daily living. Facilities cannot admit or retain seniors who need around-the-clock nursing care, or who display aggressive behaviors that could harm themselves or other residents.

Care Plan Requirements

Memory care facilities must obtain a pre-admission health care assessment completed by a licensed medical practitioner no more than 30 days before admission. Once a new resident is admitted, facilities must complete a care plan in coordination with the resident, their family and a licensed registered nurse within 14 days, and this plan must be reviewed on a quarterly basis.

Medication Management Requirements

Caregivers may help residents self-administer medications following successful completion of approved training delivered by a licensed pharmacist or registered nurse. Only regulated and licensed medical professionals may administer medications in accordance with their licence.

Staff Screening Requirements

Administrators, health care aides and personal care assistants must swear an affidavit with their legal name, social insurance number and the name of their employer attesting that they have not been convicted of any offences that could make them ineligible to work with vulnerable populations such as seniors.

Staff Training Requirements

All direct care staff must complete an orientation in memory care before commencing work in a memory care facility, and personal care aides must pursue at least 20 hours of ongoing education every two years thereafter.

Medicaid Coverage

New Jersey’s Medicaid Managed Long Term Services and Supports program covers the cost of care in a memory care facility for qualified seniors.

Reporting Abuse

Suspected abuse, neglect or exploitation of any resident living in a New Jersey memory care community should be reported to the New Jersey Long-Term Care Ombudsman at (877) 582-6995. Situations involving an immediate threat to the health and safety of a resident should be reported to the local law enforcement agency.

Frequently Asked Questions

How Much Does Memory Care Cost in New Jersey?

The average cost of residential memory care in New Jersey is $8,000 per month. Actual costs vary depending on the location, amenities and services offered by individual memory care facilities, and these costs may be above or below the statewide average cost.

Does New Jersey Medicaid Pay for Memory Care?

New Jersey’s state Medicaid plan will cover care costs for beneficiaries who need specialized residential care services due to a progressive-degenerative memory condition, such as Alzheimer’s disease,

What Types of Therapies are Offered in Memory Care Facilities?

Memory care facilities may offer a range of small group and one-on-one therapies designed to slow the onset of symptoms related to Alzheimer’s disease and dementia. These therapies can include pet, music and art therapy, play-based therapy such as memory games, and occupational, speech and physical therapy. Some memory care facilities provide therapeutic recreational programming that includes gardening, aromatherapy and cooking classes.

What Security Features Are Present in Memory Care Facilities?

Memory care facilities have special security features and systems in place to help prevent wandering among residents living with memory loss. Enclosed courtyards, fenced yards and delayed-egress exterior doors secured with a digital lock are common in communities that serve seniors living with Alzheimer’s disease. These facilities also have 24/7 awake staff, and many memory care communities use WanderGuard, a wireless digital tracking system that gives residents the freedom to move about the campus while ensuring caregivers can monitor the exact location of residents at all times.

What Are “Activities of Daily Living”?

Activities of daily living, or ADLs, are the everyday tasks one needs to complete to maintain basic health and personal hygiene. ADLs include getting dressed, bathing, eating and using the toilet, as well as grooming and moving about the home.