The 10 Best Home Care Agencies for Seniors in Purcellville, 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 Purcellville, VA, residents and their loved ones rate In Home Care agencies across the 52 options below.

Purcellville is about 40 minutes from Washington, DC, and about an hour from Charlottesville, Virginia. Monthly home care costs in Purcellville are higher than both the state and national averages. Seniors who need specialized or intensive home care may pay higher rates than those who do not. The average costs for senior home care in and around the Washington, DC, metro area, such as Leesburg, Virginia, and Gaithersburg along with Silver Spring in Maryland, are similar to Purcellville. However, some locations, such as Charlottesville, are more expensive.

Home care costs in Purcellville are around $600 less than assisted living services in the DC metro and nearby areas. Assisted living services require residents to move into a facility to receive intermittent nursing and daily living support. Adult day care programs are slightly less expensive than home care services; however, they require seniors to have transportation, while in-home services allow seniors to get support from certified caregivers at home. Semiprivate nursing rooms are much more expensive than in-home care across the metro area.

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.