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

Last Updated: June 5, 2024 - Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Norfolk, VA, residents and their loved ones rate In Home Care agencies 5 out of 5 stars across the 37 options below.

Home Care Agencies in Norfolk, VA

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Paying for Home Care in Norfolk, VA

The Cost of Home Care in Norfolk, VA

The Genworth 2021 Cost of Care Survey, which highlights long-term care rates in cities across the country, shows that home care agencies in Norfolk charge $4,767 per month for services, which is a couple hundred dollars below the national median of $4,957 and equal to the state rate. While care costs in Lynchburg are considerably lower at $4,185, most other Virginia cities have higher rates for home care. In Richmond and Staunton, respective care costs average $5,148 and $5,339, and in Charlottesville, fees are among the highest recorded in the state at $6,292. 

Norfolk

$4,767

Virginia

$4,767

The United States

$4,957

Richmond

$5,148

Charlottesville

$6,292

Lynchburg

$4,185

Staunton

$5,339

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

Home care and home health care agencies in Norfolk charge $4,767 per month for services. This is roughly $80 higher than the cost of assisted living, which averages $4,690 per month. Adult day health care costs $1,690 per month, and nursing home care is costliest, at $8,410 for semi-private rooms. 

Home Care

$4,767

Home Health Care

$4,767

Adult Day Health Care

$1,690

Assisted Living Facility

$4,690

Nursing Home Facility (semiprivate room)

$8,410

Note: Data for Norfolk was unavailable, so data for the nearest city, Virginia Beach, was used instead.

Financial Assistance for Home Care in Norfolk, 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.

Free & Low-Cost Home Care Resources in Norfolk, VA

The Norfolk region has a network of nonprofit agencies and programs to support older adults who live at home. The following table outlines local resources that can help seniors find subsidized care to supplement private-pay home care services, as well as identify options for paying for care.

ResourceContactService
Senior Services of Southeastern Virginia(757) 461-9481Senior Services of Southeastern Virginia is an independent nonprofit organization that provides free and low-cost services for older adults in Norfolk, including in-home support services, wellness classes, nutritional services and Medicare counseling. It also operates I-Ride Transit, which provides fixed and demand-response route service and medical transportation for older adults.
Catholic Charities of Eastern Virginia(757) 456-2366Catholic Charities of Eastern Virginia is a faith-based organization that serves families in the Norfolk region. It provides affordable in-home respite care for those aged 60 and over. It also operates the Companion Care Program, which provides companionship, transportation services, medication reminders, light housecleaning and meal preparation for a competitive rate.
Hampton Roads Community Action Program(757) 247-0379HRCAP provides free income tax preparation assistance for older adults, which may help them identify exemptions and deductions to reduce their tax burden. The agency can also help individuals connect with financial assistance programs in the community to help them avoid disruptions in service.
Real Estate Tax Relief Program(757) 823-1130The Real Estate Tax Relief/Deferral Program is for homeowners aged 65 and over. Depending on your income, you may pay as little as 20% of the property taxes you owe, with the rest being deferred until you no longer live in the property. To qualify, you must meet income and asset restrictions.
Senior Centers(757) 664-6510Norfolk operates two senior centers where older adults can participate in social and recreational activities, clubs and classes. The centers also provide information and referrals for programs and services in the community, helping older adults find services to supplement paid home care.

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.

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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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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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