The 5 Best Home Care Agencies for Seniors in Oilville, 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 Oilville, VA, residents and their loved ones rate In Home Care agencies across the 7 options below.

Because of Oilville’s proximity to Richmond, it shares the same average cost of home care as the state capital. At $5,148 per month, the median home care cost in Oilville is higher than the Virginia and U.S. average rates of $4,767 and $4,957, respectively. To the west, in Lynchburg, prices decrease by almost $1,000 to $4,185 per month. Further west in Roanoke, seniors also pay less than their Oilville counterparts, with average monthly home care costs of $4,195. Southeast in Virginia Beach, the average rate of $4,767 is in line with the state median.  

Home health care, which includes clinical services such as skilled nursing and rehabilitation therapies, costs an average of $5,243 per month in Oilville. This is almost $100 higher than home care, which runs around $5,148 each month. At $4,901, assisted living is almost $250 a month more affordable than home care. Adult day health care has the lowest monthly rates of $1,712. Conversely, nursing homes are the priciest option; semiprivate rooms average $8,654 per month.

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.