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

Philomont, Virginia, is an unincorporated village in Loudoun County. The county’s population is around 420,000 people. Only 10.2% of the area’s population are seniors over age 65, which is well below the national average of 16.8%. Loudoun County has an overall cost of living that is well above the state and national averages. However, Philomont’s crime rates are very low for both violent and property crimes. The Loudoun County health cost index also falls below the national average by 6%. The Inova Loudoun Hospital in Leesburg serves Philomont residents and is only about a 30-minute drive. With 28 services and specialties, this facility offers comprehensive care. According to the 2021 Genworth Cost of Care Survey, seniors in Philomont and the neighboring Washington, D.C. area can expect to pay $5,339 per month for home care, which covers personal care services. These costs are higher than the national average but are similar in price to home health care, which includes skilled nursing services.

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

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Home Care Agencies in Philomont, VA

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Paying for Home Care in Philomont, VA

The Cost of Home Care in Philomont, VA

Philomont’s home care costs, as shown in the 2021 Genworth Cost of Care Survey, are higher than the state and national averages by $572 and $382, respectively. In Winchester, average home care costs are $668 less than in Philomont. In the western part of the state, Roanoke’s home care costs are more than $1,100 less expensive. While home care costs in Charlottesville are almost $1,000 higher than in Philomont, the average rates in Richmond are slightly lower by $191.

Philomont

$5,339

Virginia

$4,767

The United States

$4,957

Winchester

$4,671

Roanoke

$4,195

Richmond

$5,148

Charlottesville

$6,292

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

Home care and home health care costs in Philomont on average are the same even though the services offered are quite different. Home care concentrates on providing personal care, while home health care offers medical services like therapy, insulin administration and blood pressure monitoring. A more affordable option for care is adult day care, which costs $2,282 per month but may have limited hours of service. Assisted living and nursing home care are the two most expensive care options.

Home Care

$5,339

Home Health Care

$5,339

Adult Day Care

$2,282

Assisted Living

$5,948

Nursing Home Care (semiprivate room)

$11,467

Note: Data for Philomont was unavailable, so data for the nearest city, Washington, DC, was used instead.

Financial Assistance for Home Care in Philomont, 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.

Philomont 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 Philomont:

ResourceContactAddressService
Companion Services Program(703) 777-0353102 Heritage Way NE., Suite 103, Leesburg, VA 20176Loudoun County’s Companion Services Program helps seniors find the help they need to remain in their own homes. The Loudoun County Department of Family Services contracts local home health agencies that offer seniors assistance with housekeeping, bathing and dressing, shopping trips and transportation to medical appointments. This program is available to adults in Loudoun County who are aged 60 and older, and who are living on a limited income.
Home-Delivered Meals Program(703) 777-0257742 Miller Drive SE., Leesburg, VA 20175This program is available to seniors in Loudoun County aged 60 and older who are unable to prepare their own meals based on their physical limitations, have no assistance at home or who are unable to attend group meals at their local senior center. Volunteers deliver hot lunches throughout the county from Monday to Friday, with the option to receive frozen or nonperishable meals on weekends. This service is provided at no cost, though donations are appreciated from those who can afford it.
Emergency Home and Accessibility Grant(703) 777-0506102 Heritage Way NE., Suite 103, Leesburg, VA 20177-7400Seniors aged 62 and older who fall below the area median income can apply for the Emergency Home and Accessibility Grant. The program awards up to $5,000 to help seniors cover the cost of emergency repairs and renovations necessary in making their homes safe and liveable as they age in place. Some of the services provided by the program include plumbing, electrical work, roofing and the installation of accessibility items.
Tax Relief for the Elderly & Disabled(703) 737-85571 Harrison Street SE., 1st Floor, Leesburg, VA 20175-3102To help ease the financial burden of aging in place, a property tax exemption is available to residents of Loudoun County aged 65 and older who reside in a home and lot that is smaller than three acres. County seniors can also benefit from an alternative tax rate that applies to personal property. Although the rate can fluctuate, it’s usually about 50% of the regular property tax rate.
Chore Corps(703) 779-8617702 S. King Street, #2, Leesburg, VA 20175Chore Corps is a program that coordinates volunteers to help seniors with household chores and minor home repairs, including lawn and yard maintenance, snow removal and weather stripping. While labor services are free, homeowners are responsible for the cost of materials. This program is made possible through a partnership between the Loudoun Volunteer Caregivers (LVC) and Loudoun County Area Agency on Aging.

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
Checklist for determining the need for home care
Checklist for determining the need for home care
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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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