The 10 Best Home Care Agencies for Seniors in Mountainside, NJ for 2025

The cost of home care can vary based on location, with the average cost of $5,529 in Mountainside being in line with the state average. However, this is still nearly $600 more than the national norm. Surrounding areas see similar costs as Mountainside, with Atlantic City and Ocean City both sharing the same cost of $5,529. In Trenton, costs decrease somewhat to $5,148, and in Vineland, they drop further to $4,767. 

The cost of senior care in Mountainside can vary greatly based on the level of care provided. Home care averages $5,529 per month for nonmedical personal care. Home health care provides additional medical support and care for around $200 more per month. Seniors seeking a more budget-friendly option may find the cost of adult day health care more appealing, as it averages $1,950 per month. In contrast, assisted living care may suit those wishing for around-the-clock access to caregivers for an average of $5,750 per month. Nursing home care is the most expensive option, providing around-the-clock skilled medical support to residents for $12,471.

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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.