The 10 Best Home Care Agencies for Seniors in Middlesex County, 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 Middlesex County, NJ, residents and their loved ones rate In Home Care agencies 4.6 out of 5 stars across the 100 options below.

Because of their proximity, Middlesex County and the state capital of Trenton share the same average cost of $5,148 for home care. This is $191 pricier than the U.S. average but $381 lower than the New Jersey median rate of $5,529. Home care fees are lower in Middlesex County than in Atlantic City and Ocean City, both of which have the same price as the state average. The median monthly price in New York is also higher, at $5,529. South of Middlesex County in Vineland, costs decrease by $381 each month.

Home care is suitable for seniors who need assistance with day-to-day activities, while home health care includes medical services, such as rehabilitation therapies and health monitoring. The latter costs around $95 more per month than home care. Individuals who receive support in a residential assisted living community generally pay almost $3,000 more monthly. Nursing facilities typically charge more than double the price of home care agencies. Adult day care offers the most affordable care option for Middlesex County’s older residents.     

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.