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Why Cottage Homecare Agency?

Since 1992, our aim to set the bar higher for home-based care has resulted in
better health for our clients and greater peace of mind for our client's families.

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Cottage Home Care Services

We provide personalized care. Each of our patients receives one-on-one attention and a care plan tailored to their specific needs.

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Contact

(201) 633-8481
(201) 255-4595
nj@cottagehomecare.comnj@cottagehomecare.com
294 West Merrick Road, Suite 12, Freeport, NY 11520, United States (HQ)
New Jersey Office97 Newkirk Street, Suite 337, Jersey City, NJ 07306
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Cottage Home Care is a fully licensed home care services agency providing trusted, high-quality care across 25+ states,
including New York, New Jersey, Michigan, Maryland, Florida, and more.

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Private Pay Home Care

Private Pay Home Care
Your Schedule, Your Standards, Your Choice

No Medicaid approvals. No insurance delays. Just exceptional care that starts when you need it.

24/7 Availability
No Insurance Needed
RN Oversight
(201)633-8481

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Tell us about your care needs and we'll be in touch within 24 hours.

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Why Families Choose Private Pay

Private pay home care gives you complete control, faster access to services, and a truly personalized care experience without the limitations of insurance or Medicaid programs.

No Waiting

Government-funded and insurance-based programs come with intake processes, eligibility reviews, and approval timelines. Private pay removes every one of those barriers. When your family needs help, we move fast.

No Restrictions

Medicaid and insurance programs often dictate the hours, the tasks, and the level of care a caregiver can provide. Private pay means your care plan is built entirely around your loved one's actual needs not a program's limitations

Your Caregiver, Your Relationship.

Private pay clients get consistent caregiver matching. Same aide, same schedule, same face — every visit. That consistency builds trust, and trust is what makes home care truly work.

Premium Quality, Transparent Pricing.

With private pay, you know exactly what you're paying for and exactly what you're getting. No hidden fees. No surprise denials. Just clear, honest, high-quality care.

Flexible Care That Adapts With You.

Life doesn’t stay the same—and neither should your care plan. Private pay allows you to easily adjust hours, services, or caregiver support whenever your needs change. Whether you need short-term help or ongoing care, everything remains flexible and in your control.

Faster Response in Urgent Situations.

When health changes suddenly, waiting is not an option. Private pay care allows for rapid caregiver placement and immediate support, helping families respond quickly after hospital discharge, illness, or sudden decline in daily functioning.

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Our Services

Private Pay Services We Offer

Every care plan is built around your loved one not a coverage policy. Here's what our private pay services include.

Home Health Aides

Home Health Aides

Compassionate day-to-day support with bathing, grooming, dressing, mobility, meal preparation, medication reminders, and companionship delivered by a certified, RN-supervised aide.

Companion & Homemaker Care

Companion & Homemaker Care

Beyond personal care, our aides provide meaningful companionship, light housekeeping, laundry, grocery runs, and errand support helping your loved one feel comfortable, connected, and at home.

Live-In & 24/7 Care

Live-In & 24/7 Care

Around-the-clock support for individuals who need continuous assistance, ensuring safety, comfort, and peace of mind for the whole family day and night.

Getting Started Is Simple

From your first call to your first day of care, we handle the details so you don't have to.

01

Free Consultation

Tell us about your loved one's needs, daily routine, and preferences. Our care team will listen, answer every question, and help you understand your options with zero pressure.

02

Personalized Care Plan

Our Registered Nurse designs a care plan built specifically around your loved one's health conditions, lifestyle, and goals. No templates. No guesswork.

03

Caregiver Matching

We carefully match you with a caregiver based on skills, experience, language, and personality someone your family will genuinely feel comfortable with.

04

Care Begins

Your caregiver arrives ready to work. We stay involved with regular check-ins, RN oversight, and plan adjustments whenever your needs change.

FAQs

Frequently Asked
Questions

Have more questions about private pay home care? We're here to help.

(201)633-8481

Private pay home care is care funded directly by the client or their family, without going through insurance. This gives you complete flexibility in choosing services, schedules, and caregivers.

Cottage Homecare service area across New JerseyAtlantic CountyBergen CountyBurlington CountyCamden CountyCape May CountyCumberland CountyEssex CountyGloucester CountyHudson CountyHunterdon CountyMercer CountyMiddlesex CountyMonmouth CountyMorris CountyOcean CountyPassaic CountySalem CountySomerset CountySussex CountyUnion CountyWarren CountyHudsonBurlingtonAtlanticSussexMorrisMonmouthHunterdonSalemCape May

Service Area

Cottage Homecare is available in the entire state of New Jersey

As a provider of NJ FamilyCare (Medicaid) home care, we coordinate certified Home Health Aides for families in all 21 New Jersey counties — allowing residents to receive care in their own home, directed from our Jersey City office in Hudson County.

Our main office:

97 Newkirk Street, Suite 337, Jersey City, NJ 07306

Our contacts:

(201) 633-8481nj@cottagehomecare.com
Cottage Homecare service area across New JerseyAtlantic CountyBergen CountyBurlington CountyCamden CountyCape May CountyCumberland CountyEssex CountyGloucester CountyHudson CountyHunterdon CountyMercer CountyMiddlesex CountyMonmouth CountyMorris CountyOcean CountyPassaic CountySalem CountySomerset CountySussex CountyUnion CountyWarren CountyHudsonBurlingtonAtlanticSussexMorrisMonmouthHunterdonSalemCape May