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The 10 Best Home Care Agencies for Seniors in Princeton, 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 Princeton, NJ, residents and their loved ones rate In Home Care agencies 4.5 out of 5 stars across the 46 options below.

Home Care Services in Princeton, New Jersey

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Paying for Home Care in Princeton, NJ

The Cost of Home Care in Princeton, NJ

The cost of care in Princeton is $5,148 per month, around $400 lower than the New Jersey average and $200 higher than the national average. In Atlantic City and Ocean City, the care costs match the state average of $5,529. Vineland has the most affordable care costs, averaging $4,767 per month. Across the state border in New York City, home care costs equal the New Jersey average.

Princeton

$5,148

New Jersey

$5,529

The United States

$4,957

Atlantic City

$5,529

Ocean City

$5,529

Vineland

$4,767

New York City

$5,529

The Cost of Home Care vs. Other Senior Care Options in Princeton, NJ

Home care in Princeton costs around $5,148 per month, approximately $100 less than the cost of home health care, which also includes medical services such as medication administration. Adult day health care is the most affordable option for seniors seeking only daytime support, costing around $1,866 per month. Seniors living in Princeton assisted living facilities typically pay around $8,145 per month, $3,000 more than home care. A private room in a nursing home typically costs $11,650, which is $6,500 more than home care. 

Home Care

$5,148

Home Health Care

$5,243

Adult Day Health Care

$1,866

Assisted Living Facility

$8,145

Nursing Home Facility (semiprivate room)

$11,650

Note: Data for Princeton was unavailable, so data for the nearest city, Trenton, was used instead.

Financial Assistance for Home Care in Princeton, NJ

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.

Free & Low-Cost Home Care Resources in Princeton, NJ

Seniors in Princeton have access to various programs and resources to help them age in place. Some government and locally funded agencies offer services such as nutrition programs and assistance with paying utility bills. 

ResourceContactService
Meals on Wheels(609) 695-3483Meals on Wheels is a nationally run program that provides seniors with nutrition support. Eligible participants are delivered meals daily between 10:30 am and 1:00 pm by friendly volunteers. To be eligible, seniors must be over 60 or a veteran of any age. They must also be homebound and unable to prepare their own meals. The menus rotate every month and special dietary requirements can be considered.
Princeton Senior Resource Center (PRSC)(609) 751-9699PRSC is a nonprofit organization that provides a range of useful services and programs for seniors in Princeton. Available programs include exercise classes such as yoga, table tennis and pickleball, enrichment programs such as drawing, cosmology and memoir writing, and benefits assistance for Medicare and SNAP. All seniors are eligible to visit the center and take part in activities.
Low Income Home Energy Assistance Program (LIHEAP)(609) 989-6858The LIHEAP is a federally funded program that supports low-income households in paying their household bills. It helps with heating bills during the winter and cooling bills in the summer. To be eligible, seniors must meet income requirements (e.g., an income of less than $3,348 for a one-person household).
Isles Weatherization program(609) 341-4700The Isles Weatherization Program offers free home energy improvements to low-income households that meet eligibility criteria. For a one-person household, gross annual income must not exceed $27,180. The program is available to homeowners and renters and anyone who receives food stamps or Temporary Assistance to Needy Families (TANF) is automatically qualified. Weatherization services include an energy audit, heating system repairs and ventilation upgrades.
State Health Insurance Program (SHIP)(609) 989-6661The SHIP provides seniors in New Jersey with Medicare and Medicaid benefits counseling. It is funded by the New Jersey Department of Medicare and Medicaid Services. Counselors offer unbiased support and advice about accessing government health insurance.

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – oftentimes it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

Download
Checklist for determining the need for home care
Checklist for determining the need for home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

Download
Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs

Frequently Asked Questions

Reviews of Care Providers Nearby

Home Care

Lenore S_1

I am a current client of this provider

Review of Homewatch CareGivers Serving Mercer County and Princeton

I don't feel like I am standing alone. I like the agency because the caregiver is very qualified.

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Home Care

Pam H_7

I am a current client of this provider

Review of Homewatch CareGivers Serving Mercer County and Princeton

The management team has been very responsive when there is an emergency, just daily things. I already have recommended them, I like the management team.

Read more

Home Care

Jane J_4

I am a current client of this provider

Review of Homewatch CareGivers Serving Mercer County and Princeton

They have helped the most by assuring me that they will be there. They are consistently where they say they will be. They are very trustworthy. I like that they understand what you need, they...

Read more

In Home Care near Princeton, NJ

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Other Options in Princeton, NJ

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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