The 10 Best Home Care Agencies for Seniors in Greenway, VA for 2024

Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Greenway, VA, residents and their loved ones rate In Home Care agencies across the 41 options below.

Compared to the state of Virginia, which averages $4,767 per month for home care services, Greenway is markedly more affordable, averaging $582 less. Additionally, local rates are $772 lower than the national average of $4,957. Located about an hour west, Roanoke, Virginia, is priced similarly. However, several other nearby cities, including the state capital of Richmond to the northeast, Charlottesville to the north and Staunton to the northwest, all have higher average home care costs than Greenway and the national average.

Typically, home care costs are lower than home health care and other services that involve skilled nursing. In Greenway, home health care costs about $100 more than home care. A more affordable alternative is adult day care, which is designed to accommodate seniors who need supervision or help during the day. Many of these centers provide seniors with health and therapeutic services as well as an opportunity for social and community engagement. In comparison, assisted living facilities do not require caretakers and seniors to travel, but they cost about $450 more per month than home care.

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.