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

Middleburg, Virginia is one of the most appealing historic towns in the Washington, D.C. metro area. Situated along the Ashby Gap in the Blue Ridge Mountains, the little town of 670 people has museums, fine restaurants and other attractions. All that charm comes at a price — Middleburg is the most expensive place to live in the state of Virginia. The town is in Loudoun County, where seniors make up 9.4% of the population. This is lower than the Washington metro average of 12.8%. Middleburg seniors who need help with daily tasks pay around $5,339 a month for in-home care. The cost of home health care, which includes some medical assistance, is about the same. Stone Springs Hospital is 12 miles away in Dulles. Major Washington hospitals like the Georgetown University Medical Center are less than 50 miles away.

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

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Paying for Home Care in Middleburg, VA

The Cost of Home Care in Middleburg, VA

The  2021 Genworth Cost of Care Survey has Middleburg seniors paying around $5,339 for in-home care. This is higher than both the state and national averages. Both Hagerstown, MD, and Richmond are on par with home care costs and close to $200 less expensive than Middleburg. Further south, Winchester is a much more budget-friendly option being about $660 less costly than Middleburg. 

Middleburg

$5,339

Virginia

$4,767

The United States

$4,957

Richmond

$5,148

Winchester

$4,671

Hagerstown, MD

$5,148

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

Care at home is an attractive option for Middleburg seniors. The cost is about $5,339 monthly for home care and home health care, which includes medical services such as medication management and physical therapy. Moving to an assisted living center raises costs by a little over $600 per month, or $5,948. Adult day care is the most affordable option, at $2,282 per month, and is ideal for seniors to get out of the house and have some social activity. Finally, if Middleburg seniors need 24/7 skilled nursing care, they should expect to pay around $11,467 each month.

Home Care

$5,339

Home Health Care

$5,339

Adult Day Care

$2,282

Assisted Living

$5,948

Nursing Home

$11,467

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

Financial Assistance for Home Care in Middleburg, 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.

Middleburg 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 Middleburg:

ResourceContactAddressService
Emergency Home Repair and Accessibility Grant Program(703) 777-0506Loudoun County Department of Family Services, 102 Heritage Way NE, Suite 103, Leesburg, VA, 20177-7400This government-sponsored program provides a one-time forgivable grant of up to $5,000. This can be used for either emergency repairs, such as furnace and water heater replacements, or home renovations to make homes more accessible. Applicants must meet certain income requirements to qualify for this program.
Companion Services(703) 777-0353Loudoun County Department of Family Services, 102 Heritage Way NE, Suite 103, Leesburg, VA, 20177-7400Seniors who wish to remain at home but need help with dressing, feeding, toileting, light housekeeping, shopping or meal preparation may qualify, based on income, for companion services.
Weatherization Assistance Program(540) 949-5879Community Housing Partners, 448 NE Depot Street, Christiansburg, VA 24073The purpose of this program is to help low-income seniors reduce their household energy consumption by sealing air leaks, adding insulation and repairing heating and cooling systems in their homes.
Home-Delivered Meals Program(703) 777-0257742 Miller Drive, Leesburg, VA 20175Seniors who cannot prepare their own meals or attend the senior center in Loudoun County can have meals delivered to their homes. There is no fee for this service but donations are appreciated.
Senior Center of Leesburg(703) 737-8039102 North Street NW, Leesburg, VA 20176The Senior Center in Leesburg provides guest speakers, movies, ping pong, games and thrift store shopping as well as a hot lunch program and other organized activities. There is a daily $2 drop-in fee for guests, but a yearly pass can be purchased for $30. Transportation to the center is available.

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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