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The 10 Best Home Care Agencies for Seniors in Chesapeake, VA for 2024

Surrounded by scenic parks, historical sites and cultural amenities, Chesapeake offers a peaceful backdrop for retirement. Modest crime rates and pleasant weather make this city an attractive option for older adults who live alone, and retirement-friendly income tax laws and property tax relief programs make it financially feasible for many with fixed incomes. This large city has an estimated 252,000 residents and a senior community that makes up 13% of the population, which the city serves through access to community-based programs and high-quality home care agencies. On average, seniors in Chesapeake pay $4,767 monthly for home care, which includes nonmedical services such as housekeeping, personal care and companionship. Those who need skilled nursing pay the same monthly rates for home health care.

Below we've compiled a comprehensive directory of every home care provider in the Chesapeake area – complete with services offered and reviews from families who've actually used the service. In addition to our in-depth provider listings, we've compiled resources to help seniors and their families to access all the tools they need to age in place safely and gracefully.

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Home Care Agencies in Chesapeake, VA

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Paying for Home Care in Chesapeake, VA

The Cost of Home Care in Chesapeake, VA

In Chesapeake, the Genworth Cost of Care Survey reports that home care agencies charge $4,767 per month for care. This is equal to Virginia’s median rate but roughly $200 below the national average. Rates are moderate compared to those in other surveyed cities, with seniors in Charlottesville paying about $1,525 more for care and residents in Lynchburg paying around $580 less per month than in Chesapeake. In Richmond, care costs exceed Chesapeake’s average at $5,148, and in Staunton, care costs exceed the local norm by about $570.

Chesapeake

$4,767

Virginia

$4,767

The United States

$4,957

Richmond

$5,148

Lynchburg

$4,185

Charlottesville

$6,292

Staunton

$5,339

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

In Chesapeake, home care agencies charge $4,767 per month for nonmedical services as well as for specialized home health care. Assisted living rates are comparable at $4,690 but include most living expenses, which may make it an affordable alternative for some. Adult day health care clients spend about $3,100 less per month on care, but in-home care is a cost-effective option compared to nursing home placement, which costs $8,410 per month.

Home Care

$4,767

Home Health Care

$4,767

Adult Day Health Care

$1,690

Assisted Living

$4,690

Nursing Home Care (semiprivate room)

$8,410

Note: Data for Chesapeake was unavailable, so data for the nearest city, Virginia Beach, was used instead.

Financial Assistance for Home Care in Chesapeake, 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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

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 home care
Checklist for determining the need for 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.  

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Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs

Frequently Asked Questions

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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

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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