Understanding how to pay for home care is one of the first questions families ask. At 24 Hour Home Care NJ, we keep it straightforward — no confusing billing, no surprise charges. Our care coordinators walk you through every option during your free consultation.
Most Popular
Private Pay
The majority of our families pay privately, giving you complete control over the care plan with no bureaucratic delays.
- No insurance approvals or pre-authorizations — care starts on your timeline
- Care can begin within 24–72 hours of your first call
- Fully flexible scheduling — hourly, daily, overnight, live-in, or 24-hour
- Transparent rates discussed during your free consultation
- No long-term contracts — adjust or pause anytime
- Choose your caregiver — we match based on personality and needs
Tip: Home care expenses may be tax-deductible as a medical expense. Ask your tax advisor about IRS qualifying criteria.
Long-Term Care Insurance
If your loved one has an LTC policy, it may cover some or all of the cost of in-home care. We work with all major carriers.
- John Hancock
- Genworth
- Mutual of Omaha
- New York Life
- MetLife (legacy policies)
- Transamerica
- Northwestern Mutual
- And other major carriers
Not sure if your policy covers home care? We’ll help you find out — call us for a free policy review.
Veterans Benefits
Veterans and surviving spouses may qualify for the VA Aid & Attendance pension benefit, which can help cover the cost of home care.
- Up to $2,431/month for a veteran
- Up to $1,318/month for a surviving spouse
- Up to $2,903/month for a veteran with a spouse
- Can be combined with private pay or LTC insurance
- No asset spend-down required in most cases
Learn more: Veterans Benefits for Home Care in NJ
How We Help With Insurance Claims
Navigating long-term care insurance can be confusing. Our team handles the paperwork so you can focus on your family.
1
Policy Review
We review your LTC policy to understand your benefit triggers, elimination period, daily maximums, and covered services.
2
Documentation
We provide care plans, RN assessments, detailed invoices, and daily care logs — everything your insurer requires for claims.
3
Claims Coordination
We help submit claims and coordinate directly with your insurance carrier to ensure smooth reimbursement.
4
Ongoing Support
As care continues, we supply updated records for continued coverage and handle any re-certification requirements.
Important: What We Do and Don’t Accept
We Accept
- Private Pay (check, credit card, ACH transfer)
- Long-Term Care Insurance (all major carriers)
- Veterans Aid & Attendance benefits
- Life insurance policy conversions (case-by-case)
- Combination of payment methods
We Do Not Accept
- Medicaid
- Medicare
- NJ FamilyCare
- Other government-funded programs
We are a private-pay and LTC insurance agency. If you need help finding Medicaid-funded home care, contact the NJ Division of Aging Services at 1-877-222-3737.
Frequently Asked Questions
How much does home care cost in New Jersey?
Costs depend on the type and hours of care. Hourly rates for companion care are different from live-in or 24-hour care rates. We provide transparent pricing during your free consultation — no surprises.
Does my long-term care insurance cover home care?
Most LTC policies cover in-home care services. Coverage depends on your policy’s benefit triggers (usually requiring assistance with 2+ activities of daily living), elimination period, and daily maximum. We’ll help you review your policy at no cost.
Is home care tax-deductible?
Yes, in many cases. If home care is considered a medical expense (as determined by a physician), the costs may be deductible on your federal taxes. Read our full guide on tax deductions for home care or consult your tax advisor.
Can I combine payment methods?
Yes. Many families combine LTC insurance reimbursement with private pay to cover any remaining costs, or supplement Veterans benefits with private pay. We’ll help you maximize every benefit available.
Do I need a contract?
No long-term contracts are required. You can adjust your care schedule, increase or decrease hours, or pause services at any time. We believe in earning your trust every day, not locking you in.
Why don’t you accept Medicaid or Medicare?
As a private-pay and LTC insurance agency, we focus on providing premium, personalized care without the limitations of government program requirements. This allows us to offer flexible scheduling, caregiver matching, and RN-supervised care plans tailored to each family.
Want to learn more about paying for care? Read our detailed guides:
How to Pay for 24-Hour Home Care in NJ | LTC Insurance & Home Care | Private Pay Guide
Let’s Talk About Your Options
Our initial consultation and RN assessment are completely free. We’ll review your situation, explain your payment options, and help you understand exactly what to expect — no pressure, no obligation.