The 10 Best Home Care Agencies for Seniors in Emerson, 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 Emerson, NJ, residents and their loved ones rate In Home Care agencies across the 69 options below.

According to data from the Genworth 2020 Cost of Care Survey, seniors in Emerson pay $4,957 per month for home care. This is equal to the New Jersey median but several hundred dollars higher than the national average rate of $4,481. In the Trenton area, located about 80 miles south of Emerson, seniors pay $4,910 for monthly care. In Atlantic City, the monthly care rate is considerably higher at $5,790, and in Ocean City, rates are competitive at $4,362.  

Seniors in Emerson have several local care options ranging in cost from less than $2,000 monthly to nearly $12,000. Home care and home health care are moderately priced at $4,957 per month and may be suitable for those who want to remain in their own homes. Seniors who live at home may obtain more affordable care via adult day health care, which costs $1,950 monthly. Assisted living, which is similar in scope to home care, is about $1,000 more at $5,991. Nursing home care is the priciest option at $11,771.  

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.