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

Fredericksburg, Virginia, may be a good match for seniors looking for easy access to health care and plentiful options for social and civic engagement, according to Caring’s 2022 Senior Living Report. Seniors who enjoy the outdoors may be interested in Fredericksburg’s extensive parks system, while the historic downtown area has many draws for shoppers and diners. According to the 2021 Genworth Cost of Care Survey, the average cost for home care in Fredericksburg is $5,339 per month. Although home care does not involve medical services that are available in home health care, seniors in Fredericksburg have access to the Mary Washington Healthcare network, which includes two hospitals and over 40 other facilities. For veterans, there’s also a Veterans Affairs clinic.

Below we’ve compiled a comprehensive directory of every home care provider in Fredericksburg– 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 Fredericksburg, VA

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Paying for Home Care in Fredericksburg, VA

The Cost of Home Care in Fredericksburg, VA

According to the Genworth 2021 Cost of Care Survey, across the United States, the average monthly cost for home care is $382 less than the rate in Fredericksburg. Virginia’s average rate is also lower than in Fredericksburg. To the northwest , home care costs less in the city of Harrisonburg, where the typical home care rate matches the national average. To the south, Richmond holds a smaller cost advantage over Fredericksburg. In the western part of the state, Staunton’s average cost is identical to Fredericksburg’s. Meanwhile, Charlottesville, in central Virginia, home care is nearly $1,000 more expensive each month than in Fredericksburg.

Fredericksburg

$5,339

Virginia

$4,767

The United States

$4,957

Richmond

$5,148

Charlottesville

$6,292

Staunton

$5,339

Harrisonburg

$4,957

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

In Fredericksburg, home health care has the same average monthly cost as home care, at $5,339, although the former includes limited medical services through professionals, such as therapists and registered nurses. Adult day care is thousands of dollars less expensive than other senior care options, but it requires transportation to a facility outside the home that provides the service. Assisted living is about $600 more expensive than home care, while nursing home accommodations are more than double the price of home care.

Home Care

$5,339

Home Health Aide

$5,339

Adult Day Care

$2,282

Assisted Living

$5,948

Nursing Home Facility (semiprivate room)

$11,467

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

Financial Assistance for Home Care in Fredericksburg, 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.

Fredericksburg 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 Fredericksburg:

ResourceContactAddressService
Healthy Generations Area Agency on Aging(540) 371-3375460 Lendall Lane, Fredericksburg, VA 22405Formerly known as the Rappahannock Agency on Aging, this comprehensive, state-funded agency offers many different programs for seniors. The senior resource directory connects the elderly with programs in their area for a food pantry, medical support and other federally funded programs to help with financial need. For those who are able and willing, the agency has volunteer opportunities. The Senior Cafe program encourages socialization with different planned events for seniors to have lunch and meet new friends. The Mobility Options feature helps those who need transportation find affordable options. 
Spotsylvania Senior Center(540) 507-7564Marshall Center, 8800 Courthouse Road, Spotsylvania, VA 22553This community center offers the elderly a chance to engage in favorite hobbies or games, attend planned events like dances or simply socialize casually. It’s funded through the Spotsylvania Parks and Recreation Department and is open to all those 55 and older. There are also opportunities to volunteer and staff on hand to help seniors who may be facing isolation. 
Rebuilding Together Fredericksburg(540) 373-9087P.O. Box 41280, Fredericksburg, VA 22404This is a local non-profit agency that repairs and revitalizes houses in the Fredericksburg community, focusing on helping those in need, including older adults. Services include winterization, emergency repairs and general maintenance for those who need it. For the elderly, retrofitting for increased mobility and accessibility is also provided. This is an income-based program, with eligibility determined under the HUD guidelines for income caps. 
Fredericksburg Salvation Army(540)373-3431821 Lafayette Blvd., Fredericksburg, Virginia 22401The Salvation Army provides seniors with low-cost clothing and household gods in the Thrift Store. Other programs offered include access to food pantries and volunteer opportunities for those who are capable. The Salvation Army has caseworkers that can help connect seniors to resources and opportunities for socialization to help prevent isolation.  There are income-based programs available for those who need help with rent, utilities and other bills. 

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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