Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Dunbar, WV, residents and their loved ones rate In Home Care agencies across the 4 options below.
4 Results
1599 2nd Ave , Charleston, WV, 25387
4.7
(16 reviews)
"Ramona very personable and takes great care of my dad. Very dependable and helps ease my dads anxiety from dementia. Prompt and very responsive to schedule flexibility. Also, great comfort to my mom. ..."
READ MORE
1111 Van Voorhis Rd., Suite 2, Morgantown, WV, 26505
3.0
(1 reviews)
"Home health care services from Interim allow individuals to stay safe, independent, and engaged while remaining in their own homes. We offe..."
READ MORE
One Dunbar Plaza, Suite 100A, Dunbar, WV, 25064
3.0
(1 reviews)
"My sister-in-law was the one who found ResCare HomeCare, it was one of the closest agency that provided the care needed by my father. They were very nice, very attentive, very caring and seemed to be doing a good job on him but I only met one of them..."
READ MORE
37 Grande Meadows Dr., Suite 203, Bridgeport, WV, 26330
"Home health care services from Interim allow individuals to stay safe, independent, and engaged while remaining in their own homes. We offe..."
READ MORECaring's Family Advisors are here to help you with questions about senior living and care options.
Results from the Genworth Cost of Care Survey 2020 show that Dunbar’s seniors pay $3,527 per month for home care, which is the same as the average paid by seniors across the state, and they save about $954 a month compared to the nationwide median of $4,481. Costs in nearby cities vary from $3,241 in Beckley to $3,790 in Huntington. In Parkersburg, seniors pay $3,718, which is about $200 more than their peers in Dunbar.
Dunbar
$3,527
West Virginia
$3,527
United States
$4,481
Huntington
$3,790
Parkersburg
$3,718
Beckley
$3,241
Considering that seniors pay $4,000 and $12,106 each month for assisted living and nursing home care, respectively, the $3,527 cost for in-home care makes it one of the most affordable options in Dunbar. The cost is identical for home health care, which includes many of the same services. However, it also provides medical services, including visits from registered nurses and rehabilitative specialists, so it may cost more in some areas. Data for adult day health care wasn’t available, but the state’s $2,243 median cost implies that it’s the least expensive type of care in Dunbar.
Home Care
$3,527
Home Health Care
$3,527
Adult Day Health
0
Assisted Living
$4,000
Nursing Home Care (semi-private room)
$12,106
Note: Data for Dunbar was unavailable, so data for the nearest city, Charleston, was used instead.
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.
The following resources include programs and agencies that can help seniors continue to age in place independently by saving money on their household expenses and receiving in-home care services.
| Resource | Contact | Service |
|---|---|---|
| Take Me Home Program | (304) 720-6858 | The Take Me Home program is designed to help seniors who currently reside in a long-term care facility transition back to living at home. Seniors who qualify may receive financial assistance for moving expenses and depending on their needs, they may also be eligible to receive in-home care services beyond what most seniors receive through Medicaid waiver programs. |
| Weatherization Assistance Program | (304) 235-1701 | The WAP is a federal program that helps low-income Americans lower their heating and cooling bills by increasing the energy efficiency of their homes. After an initial home energy assessment, program participants may receive a range of services including weather stripping, window repairs and replacing insulation in walls, attics and floors. Locally, the program is administered by the Coalfield Community Action Partnership. |
| Low Income Energy Assistance Program | (304) 558-0628 | Administered by the Division of Family Assistance, the goal of LIEAP is to ensure low-income seniors and families remain safe and warm during the winter. Depending on a senior's energy company and type of heating, the program will pay a portion of participants' heating costs either directly to the program participant or to the energy provider. Seniors must meet income guidelines to qualify. |
| Kanawha Valley Senior Services | (304) 348-0707 | The local nonprofit organization Kanawha Valley Senior Services can connect older adults in Dunbar with a variety of programs that can help them continue to live at home. Home delivered meals, assistance applying for health insurance, adult day care and in-home respite care are just a few of the services available. |
Aging can be a difficult process, and loved ones may not always ask for help – oftentimes 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.
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.
.png&w=256&q=75){kind=small}