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The 10 Best Home Care Agencies for Seniors in Waterford, 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 Waterford, VA, residents and their loved ones rate In Home Care agencies across the 48 options below.

Home Care Services in Waterford, Virginia

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On this page:

  • Home Care Services in Waterford, Virginia
  • Paying for Home Care in Waterford, VA
  • Financial Assistance for Home Care in Waterford, VA
  • Waterford Home Care Resources
  • Determining Your Loved One’s Need for In-Home Care
  • Guidelines for Talking About In-Home Care

Paying for Home Care in Waterford, VA

The Cost of Home Care in Waterford, VA

Home care in Waterford, Virginia, costs an average of $5,339 every month. Both the state and national average are less, at $4,767 and $4,957 respectively. To the west, in Winchester, the cost is $668 less. In the southern part of Virginia the cost of home care is also lower than in Waterford, with Lynchburg at $4,185 and Blacksburg at $4,957 per month.

Waterford

$5,339

Virginia

$4,767

The United States

$4,957

Winchester

$4,671

Lynchburg

$4,185

Blacksburg

$4,957

The Cost of Home Care vs. Other Senior Care Options in Waterford, VA

In Waterford, Virginia, both home care and home health care cost $5,339 on average. The most expensive option in the area is nursing home care, with a semi-private room $6,128 more than home care each month. Adult day health care is the least expensive option, at $2,282 on average, but may not be enough care for some seniors. Assisted living, a more middle-of-the-road option, is close to home care at $5,948.

Home Care

$5,339

Home Health Care

$5,339

Adult Day Health Care

$2,282

Assisted Living Facility

$5,948

Nursing Home Care (semiprivate room)

$11,467

Note: Data for Waterford, Virginia was unavailable, so data for the nearest city, Washington DC, was used instead.

Financial Assistance for Home Care in Waterford, VA

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.

Waterford Home Care Resources

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Waterford:

ResourceContactAddressService
Loudoun County Salvation Army703-771-337110 Cardinal Park Dr. SE, Leesburg, VA 20175The Salvation Army offers a variety of services to help the elderly in need. On-site, a thrift store has household goods and clothing, and there is also a food pantry at this location. Case managers are employed to help seniors apply for government benefits and other services they may be eligible for. There are also group activities to help seniors meet new friends and avoid isolation, as well as limited bill pay assistance, mostly for utilities. 
Loudoun Hunger Relief(703) 777-5911750 Miller Drive, Suite A-1, Leesburg, VA 20175This organization services families in need throughout Loudoun County, including Waterford. Food boxes are packed by volunteer staff to allow families to prepare well-balanced, nutritious meals. Special dietary needs of senior citizens are taken into account when these individuals apply for services. The agency also has homelessness emergency services on a limited basis. 
Virginia Low Income Home Energy Assistance Program(800) 552-3402801 E. Main Street, Richmond, VA 23219Seniors who need winterization assistance for their home, or help to pay for heating and cooling expenses may be eligible for the LEAP program, sponsored by the state’s Department of Social Services. This is an income-based program, open to all those who qualify. The program also may pay for emergency repairs on cooling units. 
Virginia Drug Card(703) 934-88188609 Westwood Center Drive, Suite 110, Tysons Corner, VA 22182Virginia Drug Card is not an insurance program, but it will help offset some of the costs that seniors have with both prescription medicine and generic alternatives, as prescribed by their doctor. The card offers discounts at many different pharmacies, from 30% to 80% off the costs of the medication. It works in part with the Medical Society of Northern Virginia to help reach scenarios and those in need throughout the region. 
Loudoun County Meals on Wheels(703) 777-0257742 Miller Drive, SE, Leesburg, VA 20175Home-delivered meals, served Monday through Friday, are offered at no charge to the elderly and those who are unable to prepare food on their own. This is an income-based program, staffed with volunteers. Non-perishable and frozen meals are provided for the weekends. 

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – often times it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

Download
Checklist for determining the need for in-home care
Checklist for determining the need for in-home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

Download
Checklist for determining the need for home care
Checklist for determining the need for home care

In Home Care near Waterford, VA

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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