The 10 Best Nursing Homes in Monmouth County, NJ for 2024

The average cost for a semiprivate room in a Monmouth County nursing home is $10,783. Seniors in private rooms typically pay $11,999.

Using average monthly costs for semiprivate rooms as a guide, Monmouth County’s seniors benefit from some of the most affordable fees in the surrounding areas. Although $10,783 per month is above the U.S. average of $7,756, New Jersey is the 10th-most-expensive state in the country, making Monmouth County’s costs particularly affordable when compared to the state average of $11,254. Only Atlantic City has lower costs at $9,277, while Vineland averages $10,950. In nearby NYC, seniors can expect to pay $11,771, while in Philadelphia, the average is $11,285.

Senior care is tailored to physical and cognitive abilities, which can change as people age. The type of care needed greatly influences costs. For example, adult day care in Monmouth County offers limited care, with fees averaging $1,788. Housebound seniors typically pay $4,910 for care in their homes and an additional $47 for some medical services. Assisted living costs average at $7,478, while nursing homes are the most expensive type of care that includes accommodation. A semiprivate room averages $10,783 and a private room $11,999.

Many seniors and their families use some form of financial assistance to help them pay for nursing care. The main options available are Medicare, Medicaid, and veterans benefits. These programs can be complicated, especially when it comes to benefit terms. Below, we give a brief overview of how these programs may be used towards paying for skilled nursing care.

• Medicare: Medicare will typically cover all skilled nursing costs for the first 20 days of one’s stay in a nursing home and a portion of the costs until day 100. After 100 days in a skilled nursing facility, Medicare will not cover any part of the cost of the stay. While this is adequate when short-term care is needed, those in need of long-term care will need to either pay out-of-pocket or use another source of financial assistance.
• Medicaid: Medicaid covers most of the costs of living in a skilled nursing facility for those who qualify. Care, room, and board are covered with no time limit, but residents may be charged for extras like specially prepared food or cosmetic services. Medicaid eligibility standards are strict and complex, so not all seniors are eligible for Medicaid benefits.
• Veterans Benefits: Veterans receiving a VA pension may also be eligible for the Aid and Attendance benefit administered by the VA. Aid and Attendance is a monthly allowance that beneficiaries may use to pay for their long-term care, including skilled nursing care.

If these options aren’t available to you, check if your loved one has long-term care insurance or contact your Area Agency on Aging to ask about any local financial assistance programs for seniors.