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

North Plainfield’s older residents can receive care in the comfort of their homes for an average cost of $5,529 per month. According to the Genworth Cost of Care 2021 Survey, rates in the area are in line with the New Jersey median but significantly higher than the national average of  $4,957.

Home care prices in North Plainfield match the average costs in both Ocean City and Atlantic City. Less than an hour’s drive southwest in Trenton, costs are lower than in North Plainfield by $381. Rates for home care are even lower further south in Vineland where seniors pay an average of $4,767 for in-home care.

Rates for home health care in North Plainfield are $191 above home care. Nursing homes are the highest-priced type of senior care available in North Plainfield at an average monthly cost of $12,471. Seniors who opt-in for adult day health care only pay an estimated $1,950 each month. Assisted living facilities cost on average $5,750 per month, slightly more than in-home care, but they also provide a comfortable residential setting.

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.