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The average cost of assisted living in the area is $7,230 a month. This guide is a starting point covering the cost of assisted living care in the city, as well as financing options to pay for it. You’ll find in-depth information on 5 assisted living facilities in Bridgewater and 30 in surrounding areas.
The Cost of Senior Care in Bridgewater, NJ
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Laurel Circle is conveniently located between Highways 22 and 28, a short distance away from the RWJ University Hospital in Bridgewater, New Jersey. Bridgewater is an interesting place for seniors to retire thanks to its picturesque location near many attractions…
I had the difficult task of choosing a rehab center for my family which needed to also offer assistted living or long term care should the need arise. After too many sad sights, I was pleased to experiance a enviorment of wellness and even empowerment. The rooms were bright, airy and the residents appeared engaged. Sta...Read more Arbor Glen reviews
Arbor Glen fails for nearly 5 YEARS to return our entrance fee!!! To me it seems like a ponnzi scheme. I believe our State legislators need to be informed and asked to take corrective action so families can avoid this problem. My family has paid NJ inheritance taxes on $ we have yet to recieve! How is that fair or p...Read more Arbor Glen reviews
The 2018 Genworth Cost of Care study reveals that assisted living in Bridgewater costs $7,230 per month, which is over $3,200 more costly than the national average ($4,000), almost $1,200 above the state median rate of $6,065 and over $2,100 more than the average monthly price in Atlantic City ($5,100). As the most expensive area in New Jersey, the rate in Bridgewater is more than $2,400 higher than the price in Ocean City, which has the state’s lowest assisted living cost at $4,800 per month.
Note: Data for senior care costs wasn’t available for Bridgewater, so data for nearby Trenton was used instead.
The Cost of Assisted Living in Surrounding Areas
The monthly cost of senior care in Bridgewater varies drastically, from a low of $1,842 per month for adult day health services provided in a group setting to $10,342 for round-the-clock skilled nursing and other specialized care services provided in a nursing home.
Assisted living averages $7,230 per month and includes housekeeping services, personal care assistance, meals and housing. In-home care provided by home health aides and homemakers costs an average of $4,576 per month but only represents the hours of care services delivered. Expenses normally covered by room and board in residential facilities, such as utilities, maintenance, food and property taxes, remain the responsibility of the senior homeowner in addition to the rate for care services. These added costs can significantly narrow the price gap between in-home and assisted living care.
Senior Care Cost Comparison Chart
Medicaid is a national program that delivers basic health care to over 65 million Americans who can’t afford to pay for health insurance. The program is jointly funded and regulated by the federal government and administered by each state.
In New Jersey, the program is called NJ FamilyCare and is overseen by the Department of Human Services. It serves the health care needs of more than 1.5 million state residents, including families with dependent children, expectant mothers, senior citizens and those who are blind or disabled. Residents who qualify receive a number of health care benefits, such as:
Qualifying for New Jersey Medicaid for Long-Term Care
To qualify for coverage for long-term care, Bridgewater residents must be American citizens or legal immigrants and aged 65 or older or blind or disabled. Applicants must be assessed as needing a nursing home level of care and eligible for Supplemental Security Income benefits or meet the following NJ FamilyCare financial guidelines:
All sources of income count toward the limits but some assets are automatically disregarded, such as household and personal effects, burial trusts, an owner-occupied home worth up to $878,000 and one automobile.
Seniors who meet the eligibility requirements for NJ FamilyCare long-term care coverage may qualify if:
FamilyCare Managed Long-Term Services and Supports
Bridgewater seniors aged 65 or older and disabled adults aged 21 or older who are Medicaid-eligible and in need of long-term care can enroll in the FamilyCare Managed Long-Term Services and Supports program. This comprehensive Medicaid waiver program has no enrollment cap, so all eligible residents receive services. Once enrolled, applicants have a choice of managed care organizations that provide full medical services, and also:
To request an assessment for the Managed Long-Term Services and Supports program, seniors already enrolled in NJ FamilyCare should contact their managed care organization.
To apply for Medicaid and the MLTSS program, seniors can contact the Somerset County Office on Aging and Disability Services at (908) 704-6346.
State Supplemental Payment
Bridgewater residents who meet the income and asset requirements for Supplemental Security Income benefits may also be eligible for an increased monthly cash payment from the state of New Jersey.
To qualify, seniors aged 65 or older and adults with disabilities must have a monthly income of $771 or less per person ($1,157 for couples) and no more than $2,000 in assets ($3,000 for couples).
The amount of the monthly State Supplemental Payment depends on an applicant’s living arrangement, income and marital status. The maximum available combined SSI and SSP benefit is $981.05 for individuals and $1,895.36 for couples.
To learn more or apply for SSI and NJ SSP benefits, interested seniors can contact the Social Security Administration at (800) 772-1213.
Congregate Housing Services Program
Seniors and disabled adults with limited income who are at risk of nursing home placement if they don’t receive aid may qualify for the New Jersey Congregate Housing Services program. This assistance program helps cover the cost of shelter in state-contracted congregate housing facilities as well as support services, such as:
To qualify, Bridgewater residents must be aged 65 or older, or younger and deemed disabled by the Social Security Administration, and need help to remain living independently. Although there are no income or asset caps, benefits are provided using a sliding scale based on an applicant’s monthly income.
To learn more about the Congregate Housing Services program or apply, Bridgewater seniors can call the Somerset County Office on Aging and Disability Services at (908) 704-6346.
Bridgewater residents aged 60 and over who need help with a civil legal matter but have limited income may qualify for free assistance from Legal Services of Northwest Jersey. This nonprofit agency provides eligible elderly individuals with advice and representation on various noncriminal legal issues as well as assistance with the preparation of legal documents, such as wills and powers of attorney.
Legal Services of Northwest Jersey
90 E. Main St., 3rd Fl., Somerville, NJ 08876
Senior veterans and their families can receive help filing applications for VA and state benefits at the Somerset County Veterans Services office.
Those in need of medical services can visit the Piscataway VA clinic to access primary care, lab tests, diabetic eye screenings and referrals for specialty care at the VA Medical Center in East Orange.
Somerset County Veterans Services
27 Warren St., Somerville, NJ 08876
Piscataway VA Clinic
14 Wills Way, Bldg. 5, Piscataway, NJ 08854
Bridgewater Township offers a wealth of life-enriching programs for older residents at the local senior citizens center. Area seniors can enjoy nutritious congregate lunches, socialize over card and board games; join Pilates, aerobics or tai chi classes; or take computer, photography and cooking lessons.
There are nutrition and wellness classes; seminars on topics, such as financial planning and safe driving; monthly movie nights; and group outings to restaurants, flea markets and plays.
Bridgewater Senior Citizens Center
876 E. Main St., Bridgewater, NJ 08807
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