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

Chesterfield, Virginia, is a small city approximately 20 miles south of Richmond. The senior population in the county makes up approximately 16% of the population, which is slightly lower than the national average. The cost of living is lower than both the state and national averages, and groceries, health care, housing and transportation all cost less than in the average U.S. city. The Chippenham Hospital is nearby for the treatment of a variety of conditions, including adult mental health, cardiology and emergency care.

Home care has a cost of around $5,148 per month and includes medication reminders, transportation, companionship, housekeeping, bathing, meals and grooming. Home health care is slightly more per month, but also provides visits from a registered nurse, medication management, therapy and wound care.

Below we’ve compiled a comprehensive directory of every home care provider in Chesterfield– complete with services offered and reviews from families who’ve actually used the service.

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Home Care Agencies in Chesterfield, VA

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Paying for Home Care in Chesterfield, VA

The Cost of Home Care in Chesterfield, VA

Based on the 2021 Genworth Cost of Care Survey, home care in Chesterfield has a median monthly cost of $5,148. This is more than the state average of $4,767 and the national average of $4,957. Virginia Beach home care is the same as the state average, while Lynchburg seniors pay almost $1,000 less than those in Chesterfield. The cost in Charlottesville is an average of $6,292 per month.

Chesterfield

$5,148

Virginia

$4,767

The United States

$4,957

Virginia Beach

$4,767

Charlottesville

$6,292

Lynchburg

$4,185

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

Senior care varies in costs depending on how much assistance an individual needs. In Chesterfield, home care costs around $5,148 for assistance with daily living tasks. Home health care is slightly more at $5,243 and includes some medical care. Adult day health care costs around $1,712, while an assisted living community has a monthly cost of $4,901. Seniors who require round-the-clock monitoring may choose a semiprivate room in a nursing home for an average monthly cost of $8,654.

Home Care

$5,148

Home Health Care

$5,243

Adult Day Health Care

$1,712

Assisted Living Facility

$4,901

Nursing Home Care (semiprivate room)

$8,654

Note: Data for Chesterfield was unavailable, so data for the nearest city, Richmond, was used instead.

Financial Assistance for Home Care in Chesterfield, 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.

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
Talking with family and others about a loved one's needs
Talking with family and others about a loved one's needs
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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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