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

Lovettsville, Virginia, is a small town west of Baltimore, Maryland. The U.S. Census reports that 10% of residents are seniors over the age of 65, compared to a national average of 16.8%. Home care in Lovettsville costs $5,148, according to the 2020 Genworth Cost of Care Survey, compared to the state average of $4,767 and the national average of $4,957. Home care includes assisting seniors with tasks related to daily life, including toileting, bathing, dressing, medication management and cleaning and other tasks. It does not include medical services that are offered through home health care. There are several hospitals in the area, including Martinsburg VA Medical Center and the Inova Loudoun Hospital.

Below we’ve compiled a comprehensive directory of every home care provider in Lovettsville– 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.

Home Care Agencies in Lovettsville, VA

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Paying for Home Care in Lovettsville, VA

The Cost of Home Care in Lovettsville, VA

The monthly cost of home care in Lovettsville is $5,148, which is higher than both the state and national average, which are $4,767 and $4,957, respectively. Nearby Winchester costs almost $500 less per month on average, while in Baltimore, Maryland, to the south, home care costs nearly $200 less than in Lovettsville. Toward the southern part of the state, Lynchburg is $963 less and Blacksburg is $191 less than Lovettsville. 

Lovettsville

$5,148

Virginia

$4,767

The United States

$4,957

Winchester

$4,671

Baltimore, MD

$4,957

Lynchburg

$4,185

Blacksburg

$4,957

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

Home care and home health care in Lovettsville each cost $5,148 per month, although home health care includes some medical care, while home care does not. At $10,114, a semi-private room in a nursing home is the most expensive type of care, but also includes the most care. Adult day health is less than home care, at $2,145, although it may not be suitable for all seniors; and assisted living is nearly $500 less than home care.

Home Care

$5,148

Home Health Care

$5,148

Adult Day Health Care

$2,145

Assisted Living Facility

$4,630

Nursing Home Care (semiprivate room)

$10,114

Note: Data for Lovettsville, Virginia was unavailable, so data for the nearest city, Hagerstown, Maryland, was used instead.

Financial Assistance for Home Care in Lovettsville, 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.

Lovettsville 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 Lovettsville:

ResourceContactAddressService
Emergency Home Repair and Accessibility Grant(703) 777-0506102 Heritage Way NE, Suite 103, Leesburg, VA 20177Low-income seniors aged 62 and over may be eligible to receive a one-time grant of up to $5,000 to make emergency repairs or home modifications. Typical repairs covered by this program include electrical work, HVAC repairs or replacements, plumbing, roofing and any emergency repairs necessary to ensure the safety of the home and quality of life of the occupants. This program is administered by Health and Human Services. 
Loudoun County Home Improvement Program(703) 777-0506102 Heritage Way NE, Suite 103, Leesburg, VA 20177Low- and moderate-income seniors aged 62 and over in Lovettsville may be eligible to receive a 10-year loan for necessary home improvements. This loan may be used to cover correcting code violations, addressing hazardous conditions and making the home more energy-efficient. Acceptance into this program, which is administered by the Health and Human Services, is based on credit-worthiness, and loans may be forgiven and/or interest-free. 
Real Property Tax Exemption(703) 737-8557Harrison Street, SE, Leesburg, VA 20175Seniors aged 65 and over who live on three acres of land or less in Lovettsville may be eligible for an exemption on their property taxes. The exemption ranges between 50% and 100%, depending on the applicant’s gross income. To be eligible, seniors must have lived in their home since January 1 of the application year, and they must occupy their homes as their sole dwelling. 
Home-Delivered Meals Program(703) 777-0257742 Miller Drive, SE, Leesburg, VA 20175Lovettsville seniors aged 60 and over who cannot safely prepare meals for themselves and are unable to attend a senior meal site may receive home-delivered meals. This program operates on weekdays and provides hot, nutritionally balanced noontime meals and frozen, non-perishable meals for weekends. Eligibility for this program is determined by an in-home assessment by an Area Agency on Aging program specialist. While this program is free of charge, donations are accepted.  

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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