Affordable Home Care in Monmouth County
Every family's needs are different, and so is every budget. We'll help you design a custom care schedule that fits your loved one's needs and your financial situation—without pressure or long-term obligations.
Whether you need a few hours a week or more comprehensive support, we're here to make it work for you.
What You Should Know About Paying for Home Care
All non-medical home care agencies, including Always Responsive Home Care, are private pay providers. This means that traditional Health Insurance and Medicare typically do not cover non-medical in-home care services. But don't worry, we'll walk you through the available options to ensure you understand how to move forward confidently.
Payment Options That Fit Your Needs
We make payment simple, flexible, and transparent.
Private Pay
We accept secure Electronic Funds Transfer (EFT) and credit card payments (note: processing fees apply for credit cards). EFT is preferred for fee-free and seamless payments.
Long-Term Care Insurance
We accept all Long-Term Care Insurance policies and manage the entire claims process on your behalf—making it fast, easy, and stress-free.
No Contracts. No Hidden Fees.
We keep it simple so you can focus on care:
- Billed after care is provided
- No upfront payments
- No deposits
- No long-term contracts
- Cancel anytime, no penalty
You'll only ever pay for services delivered—and you'll always remain in control of your care schedule.
We Handle Your Long-Term Care Insurance
Dealing with insurance paperwork shouldn't get in the way of your loved one's comfort and care. That's why our team handles it for you, at no additional cost.
We will:
- Submit all required documentation directly to your insurance provider
- Manage submissions to ensure quick and efficient reimbursement
- Follow up and resolve any requests or issues
We make the process seamless so you can relax and get reimbursed without the stress.
What About VA Benefits or Medicaid?
VA Benefits
Some veterans qualify for partial coverage through VA programs, which can help offset the cost of care. Visit the U.S. Department of Veterans Affairs https://www.choose.va.gov/ to learn more about eligibility and available benefits.
Medicare/Medicaid
These programs may cover limited short-term or skilled home health care with participating providers. For more information:
- Medicare.gov – Home Health Services
- Medicaid.gov – Home & Community-Based Services
Why Not Hire Privately?
Hiring a caregiver privately might appear to save money in the short term, but it can come with major risks that end up costing far more in the long run. Families who bypass agencies often discover hidden liabilities, unreliable care, and, in worst cases, devastating consequences.
Here's why partnering with a trusted, professional agency like Always Responsive Home Care is the safest choice:
❌ No Background Checks = Real Danger
Privately hired caregivers are not professionally vetted. They may have a troubling history, sometimes unknown even to the person hiring them. As an agency, we perform comprehensive background checks, reference verifications, and employment screenings before anyone is allowed into your home.
❌ Increased Risk of Financial Exploitation
There have been numerous documented cases of unvetted private caregivers financially extorting, manipulating, or even stealing from vulnerable seniors. Without oversight or professional accountability, the opportunity for abuse increases dramatically. At Always Responsive, all caregivers are monitored, supervised, and held to strict ethical standards.
❌ No Liability Coverage
If a private caregiver slips and falls, you could be responsible for medical bills, lawsuits, or disability claims. We carry full liability and workers' compensation insurance to protect your family from this kind of exposure.
❌ No Coverage When They Call Out
Private caregivers often leave families stranded when they call out, take vacations, or quit suddenly. As an agency, we are available 24/7 with a team that's always there to support your schedule, even in emergencies.
❌ No Oversight, No Training
Private hires operate without professional training or oversight. At Always Responsive, our caregivers are certified, regularly evaluated and supported by an Registered Nurse who ensures your loved one is receiving high-quality, appropriate care.
❌ Legal & Tax Responsibilities
Privately hiring someone makes you the legal employer, which means you're responsible for withholding payroll taxes, providing unemployment insurance, issuing tax documents, and complying with state and federal labor laws. Many families are completely unaware of these responsibilities until it's too late. Failing to pay overtime, misclassifying workers, or not maintaining proper records can expose families to major penalties, audits, and lawsuits. At Always Responsive Home Care, we handle all of this for you, legally, ethically, and professionally. You never have to worry about tax filings, payroll, or compliance issues.
Why Families Trust Always Responsive Home Care
Choosing the right home care provider is about more than services, it's about peace of mind. At Always Responsive, we're committed to your comfort, your schedule, and your financial wellbeing.
Here's what you can expect:
- Custom care plans tailored to your needs and budget
- Ongoing RN oversight and check-ins
- Honest, upfront billing, no surprises
- Fast, responsive support whenever you need it
- Top-rated caregivers who love what they do
- Fully insured, background-checked, and professionally trained staff
Call Us Today
Whether you're exploring options or ready to start care, our team is here to help guide you every step of the way. Let's work together to find a care plan that's right for your loved one—and your family.