The 10 Best Home Care Agencies for Seniors in Mount Vernon, 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 Mount Vernon, VA, residents and their loved ones rate In Home Care agencies across the 45 options below.

Since Mount Vernon is about 13 miles from Washington, DC, the city shares the average monthly home care cost of $5,339 per Genworth Financial’s 2021 Cost of Care Survey. In Mount Vernon, home care costs are $572 higher than the state average and $382 higher than the national average. Virginia Beach, in the far southeast corner of Virginia, shares the state’s average, while Harrisonburg in the north-central region shares the nation’s average. The midwestern city of Roanoke has a lower rate, and the central city of Charlottesville has the highest fee in the state.

The average home care cost in Mount Vernon is $609 less than assisted living and $6,128 less than nursing home care. In-home care, which provides nonmedical care, and home health care, which offers limited medical services and rehabilitation therapies, share the same price. Adult day health programs are a cost-effective option for seniors who only need daytime assistance. While these programs require traveling to community centers, seniors get an opportunity to socialize with their peers and participate in recreational activities.

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.