The Best Home Care Agencies for Seniors in Springfield, VA for 2025

The 2021 Genworth Cost of Care Survey estimates that Springfield’s $5,339 monthly home care cost is approximately $600 more than Virginia and $400 higher than the national median. The area’s rates are among the highest in the state, with Richmond’s average cost of $5,148 ranking about $200 lower. Virginia Beach shares the state’s median rate of $4,767 and Blacksburg’s $4,957 is comparable to the national average. Approximately 170 miles southwest of Springfield, Lynchburg’s reported $4,185 median represents one of the state’s most affordable monthly costs.

Adult day health care offers seniors in Springfield the most affordable care option, costing an average of $2,282 per month. Individuals who require either in-home care or home health care services should budget for a monthly cost of $5,339. At $5,948, an assisted living community provides monthly care that averages about $600 more than home care. Skilled nursing facilities in Springfield are among the area’s most expensive long-term care options, costing an average of $11,467 monthly.

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.