The Best Home Care Agencies for Seniors in Aldie, VA for 2025

Aldie’s proximity to Washington, DC, means the two areas have the same median monthly cost of $5,339 for home care. This is slightly higher than the state and national averages. The state’s capital, Richmond, has lower costs than Aldie but a little above the state and national average. Further west in Harrisonburg, the cost of home care is on par with the national average. Seniors in Lynchburg pay less than the state and national averages.  

Median senior care costs in Aldie range from $2,282 for adult day health care to $11,467 for semiprivate accommodation in a nursing home. Home care and home health care are the second most affordable care options at $5,339 each. Home care provides assistance with personal care and chores, while home health care includes clinical services, such as nursing oversight and medication administration. Seniors who opt to receive care in a residential setting will pay around $5,948 per month for assisted living.   

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

• Long-Term Care Insurance: Long-term care insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
• Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
• Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
• Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living. Contact the Department of Veterans Affairs to learn more.
• Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.