The 10 Best Home Care Agencies for Seniors in Midlothian, VA for 2024
Midlothian is a small town located approximately 10 miles to the west of Richmond, Virginia. With a population of 18,320 and a higher-than-average proportion of seniors living here — 17.7% of residents are aged 65 and over — Midlothian is an attractive destination for those who enjoy more space, larger houses and the many nearby golf courses and attractions. In-home care costs for seniors average $5,148 per month, 3.8% higher than the national average; with the addition of light medical services, home health care costs are 5.8% higher. Bon Secours St. Francis Medical Center is the closest hospital and it receives high ratings in several key departments, and more hospitals are located in nearby Richmond.
Below we’ve compiled a comprehensive directory of every home care provider in Midlothian– 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 Midlothian, VA
23 Results
What you can do with Caring
Paying for Home Care in Midlothian, VA
The Cost of Home Care in Midlothian, VA
Seniors in Midlothian pay $381 per month more than the average Virginian for in-home care, according to the Genworth Cost of Care Survey 2021, as it shares nearby Richmond’s cost. The nationwide average is lower by $191 per month. On the east coast, Virginia Beach’s home care cost is identical to the national average. The cost is far higher to the northwest, in Charlottesville, where seniors pay over $1,000 more each month compared to those in Midlothian. Further to the west, in Lynchburg, in-home care costs are lower by almost $1,000.
Midlothian
$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 Midlothian, VA
Although home health care services can provide additional medical attention from certified staff, the cost is only $95 per month higher than that of general home care in Midlothian. Assisted living is more affordable, with savings of around $250-$350 per month, and adult day health has an average cost that’s just one third of the monthly rate for home care. Nursing home care is the most expensive option, with an average cost of 68% more than in-home services.
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 Midlothian was unavailable, so data for the nearest city, Richmond, was used instead.
Financial Assistance for Home Care in Midlothian, 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.
Midlothian 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 Midlothian:
Resource | Contact | Address | Service |
---|---|---|---|
Weatherization Assistance Program (Project HOMES) | (804) 233-2827 | 88 Carnation Street, Richmond, VA 23225 | This program is designed to help seniors enhance the energy efficiency of their homes, through providing services, such as additional insulation, improved weather-stripping, and the repair of furnaces, air conditioners and water tanks. Participants need to meet income requirements but this program is free for those who qualify. |
Live Well, Virginia! | (804) 662-9333 | 1610 Forest Avenue, Suite 100, Henrico, VA 23229 | This program provides workshops at many locations throughout the state to enhance health and safety for seniors. They offer programs such as “A Matter of Balance” to help prevent falls, and a Chronic Disease Self-management Program (CDSMP). |
Senior Connections | (804) 343-3000 | 24 East Cary Street, Richmond, VA 23219 | Senior Connections offers a variety of programs and services designed to help seniors stay in their homes. Some of these services include: |
Office on Aging and Persons with Disabilities | (804) 646-1082 | 701 North 25th Street, Richmond, VA 23223-6539 | The Office on Aging and Persons with Disabilities is a branch of the Social Services department that works to increase the access and awareness of seniors to programs and services. Some of the services they offer are: |
YMCA Aging Strong | (804) 200-6070 | 919 Cary Street, Richmond, VA 23219 | The Aging Strong program focuses on group exercise, socialization, brain games and fall prevention, all designed to keep seniors healthy and strong. It runs for 2 hours, twice a week, and is free to Y members. Non-members can pay $20 per month. Subsidies may be available for YMCA memberships. |
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.
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.