The 10 Best Home Care Agencies for Seniors in Roanoke, VA for 2025

Monthly home care costs are very affordable in Roanoke compared to home care costs in Virginia, which are $572 more expensive and line up with the cost of home care in the nearby city of Harrisonburg. The cost of monthly home care in the country is even higher, at $4,957, according to the Genworth 2021 Cost of Care Survey. The monthly cost of home care is the most affordable option in the state of Virginia, with other large cities such as Harrisonburg, Charlottesville, and Richmond having costs up to $2000 more than the cost of monthly home care in Roanoke.

Home care costs in Roanoke are almost $2,000 less expensive and up to $6,000 less expensive than skilled nursing. One option to consider is adult day care, which is $3,000 less expensive in Roanoke but has more of an active component and may not be the best fit for all seniors. Home health care is also worth considering if you are looking for more medical help in the home, which home care does not provide. At only $200 more per month, it may be the right fit for you.

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.