The 10 Best Home Care Agencies for Seniors in Upperville, 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 Upperville, VA, residents and their loved ones rate In Home Care agencies across the 43 options below.

Upperville and nearby Winchester share the same cost for home care services. With an average monthly price of $4,671, home care services in Upperville are more affordable than the state and national averages of $4,767 and $4,957, correspondingly. Approximately 95 miles south of Upperville in Charlottesville, the median rate increases by more than $1,600 to $6,292 per month. Individuals in Blacksburg and Virginia Beach typically pay more for in-home care than their northern peers. At $4,957 per month, Blacksburg shares the same monthly average rate as the U.S., while the cost of $4,767 in Virginia Beach is on par with the statewide norm.     

For Upperville’s seniors, adult day health care is the most affordable care choice, with a median monthly cost of $1,278. Conversely, nursing home care is the least affordable option, with an average fee of $11,102 per month for a semiprivate room. At around $4,671 per month, home care is more than 50% cheaper than nursing home care. Home care also costs less than home health care, which runs around $4,814 per month and usually includes care from registered nurses or therapists. Average assisted living fees are $5,015 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.