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

Sterling is located in Northern Virginia, approximately 15 minutes southeast of Leesburg. With fairly comfortable summers and below-average crime rates, this upscale city of 30,337 has a senior population percentage of 10.2%, notably lower than the U.S. average of 16.8%. Seniors have convenient access to multiple highly ranked hospitals, with Reston Hospital Center and Inova Loudoun Hospital within 15 minutes. As Sterling is roughly 30 miles west of Washington D.C., it’s considered part of that city by the 2021 Genworth Financial Cost of Care Survey and seniors can expect to pay an average of $5,339 a month for either home care or home health care.

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

Home Care Agencies in Sterling, VA

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Paying for Home Care in Sterling, VA

The Cost of Home Care in Sterling, VA

The average monthly cost of home care in Sterling is solidly above both state and national averages. Of the cities in Genworth’s 2021 study, Lynchburg reports the lowest average monthly costs for home care at $4,185. The highest cost, conversely, is reported by Charlottesville at $6,292. Blacksburg, which is located close to the West Virginia border, is also more expensive than national and state averages, as is the state capital of Richmond.

Sterling

$5,339

Virginia

$4,767

The United States

$4,957

Richmond

$5,148

Lynchburg

$4,185

Charlottesville

$6,292

Blacksburg

$4,957

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

Nursing home facilities offer the highest level of medical support but are quite expensive. In Sterling, a semiprivate room in a nursing home is more than twice as expensive per month as home care. Assisted living care is slightly more expensive than home-based care but only by 10%. Adult day health care, which can be helpful in plugging coverage gaps for primary caregivers, is considerably less expensive than the competing options, though it also tends to be less flexible.

In-Home Care

$5,339

Home Health Care

$5,339

Adult Day Health Care

$2,282

Assisted Living Facility

$5,948

Nursing Home Facility (semiprivate room)

$11,467

Note: Data for Sterling was unavailable, so data for the nearest city, Washington D.C., was used instead.

Financial Assistance for Home Care in Sterling, 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 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.

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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