Medicare is the federal health insurance program for retirees (or spouses of retirees) over the age of 65 and those with disabilities. Medicare offers a short-term solution, and individuals MUST be homebound to qualify for home care under Medicare. In the event that skilled nursing services are also needed, Medicare may cover services provided by a CHHA on a limited basis.

Medicaid on the other hand, helps cover home care costs for those with low income or limited resources. In New Jersey, Medicaid may cover home care services for those needing long-term care under the Personal Care Assistance Program (PCA). A potential setback associated with Medicaid, however, is that it may be out of reach for those with incomes above the eligibility bracket.

Waiver Programs: Waiver programs have different eligibility criteria than traditional Medicaid, although they offer similar benefits. Waiver programs include, but are not limited to:

Respite Care Program: Respite programs offer funding for healthcare services as a means of providing relief for families and unpaid caregivers. Elderly individuals and disabled individuals over the age of 18 are eligible for respite care. For more information, click on the following link NJ Statewide Respite Care Program

  1. NJ Department of Military & Veterans Affairs Phone: 1-888-865-8387 (1-888-8NJ-VETS)or go to the following webpage Veterans Service Office by NJ County

Older Americans Act and Social Service Block Grants: On account of the Older Americans Act, the federal government subsidizes the cost of certain services for elderly citizens. There are no income restrictions, and those over the age of 60 are eligible. More detailed information can be found by clicking the following link Older Americans Act.

Insurance: Private Payment: Private payment is often necessary to pay for home care services or to supplement the limited funding provided by another source. This is particularly true for individuals who require supervision rather than “medically-related care.” Non-profit home care agencies may have sliding fee scales or subsidy funds to aid those with limited means.

Additional Resources:

NJ Office on Aging
Comission on Accreditation for Home Care
Administration on Aging
Alzheimer’s Association
American Association for Respiratory Care
American Association for Retired Persons
American Cancer Society
American Diabetes Association
American Heart Association
American Seniors Housing Association
American Society on Aging
Solutions for Better Aging
Center for Healthy Aging
Centers for Medicare & Medicaid Services (CMS)
Division of Developmental Disabilities
Department of Children and Family Services
Health Care Association of New Jersey
National Private Duty Association

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