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The 10 Best Home Care Agencies for Seniors in Stafford, 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 Stafford, VA, residents and their loved ones rate In Home Care agencies 4.2 out of 5 stars across the 47 options below.

Home Care Services in Stafford, Virginia

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On this page:

  • Home Care Services in Stafford, Virginia
  • Paying for Home Care in Stafford, VA
  • Financial Assistance for Home Care in Stafford, VA
  • Stafford Home Care Resources
  • Determining Your Loved One’s Need for In-Home Care
  • Guidelines for Talking About In-Home Care

Paying for Home Care in Stafford, VA

The Cost of Home Care in Stafford, VA

The 2021 Genworth Cost of Care Survey includes Stafford’s median home care cost with Washington, DC, due to the town’s proximity to the nation’s capital. As a result, the median cost of home care in Stafford is $5,339 — higher than for Virginia ($4,767) and the United States ($4,957). It’s also above the median for almost all cities in Virginia, including Winchester ($4,671), Harrisonburg ($4,957) and Richmond ($5,148). However, it’s below the state’s costliest city for home care, Charlottesville, where the typical senior pays $6,292 per month.

Stafford

$5,339

Virginia

$4,767

The United States

$4,957

Winchester

$4,671

Harrisonburg

$4,957

Charlottesville

$6,292

Richmond

$5,148

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

At around $5,339 per month, Stafford’s home care agencies deliver nonmedical services, such as personal care and light housekeeping. For the same median fee, home health care agencies provide limited medical support by licensed nurses and therapists, such as pain management and occupational therapy. Adult day care is the least costly option with fees around $2,282, while nursing home care is the most costly at $11467. Assisted living offers similar services to home care for a median fee of $5,948.

Home Care

$5,339

Home Health Care

$5,339

Adult Day Health

$2,282

Assisted Living

$5,948

Nursing Home Facility (semiprivate room)

$11,467

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

Financial Assistance for Home Care in Stafford, 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.

Stafford 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 Stafford:

ResourceContactAddressService
Stafford County Energy Assistance Program(540) 658-86001300 Courthouse Road, Stafford, VA 22554This program, which offers financial assistance to help with heating and cooling, has three different options for families in need and seniors on a limited income. The cooling assistance program helps with energy bills and repairs to cooling units, while the fuel assistance program helps those heating their homes in the winter. For emergencies, the county also has a crisis assistance program that includes helping with utility deposits. 
Fredericksburg Regional Food Bank(540) 371-76663631 Lee Hill Drive, Fredericksburg, VA 22408A larger food pantry, Fredericksburg Regional Food Bank serves the Fredericksburg and Stafford County area, including the community of Stafford. The food pantry will supplement those receiving food stamps, including the elderly on a limited income. For seniors who wish to volunteer, this organization also has volunteer opportunities. In addition to offering food boxes at the main center, the Fredericksburg Regional Food Bank also connects seniors to smaller food banks closer to home.
Central Virginia Housing Coalition(540) 604-9943208 Hudgins Road, Fredericksburg, VA 22408Seniors who need access to handicapped-accessible housing or rent assistance may benefit from this organization. It serves the Stafford County area, along with other counties in the region. For those who meet certain income guidelines, the agency will connect seniors to resources for rent assistance, HUD vouchers for housing units, utility assistance or foreclosure prevention. The CVHC also has a limited number of rental properties available, both multi-family units and smaller cottages. 
Fredericksburg Salvation Army(540)373-3431821 Lafayette Boulevard, Fredericksburg, Virginia 22401The nearest large Salvation Army center for seniors assistance is in Fredericksburg, but the programs are open to those who live in Stafford County as well. There is a Thrift Store where seniors can purchase low-priced clothing and household goods. Caseworkers are on-site, connecting seniors to resources and government benefits that they may be eligible for, including health care. The Salvation Army can also help with bill pay assistance, including utilities, and help seniors with transportation needs. For those elderly that are willing and capable, there are also volunteer efforts and social opportunities. 

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.

Download
Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs

Reviews of Communities Nearby

Home Care

fannie59

I am a current client of this provider

Review of One on One Care

I have been with One On One Care for 6 years now. The people in the office really cares about their clients needs and they really go above and beyond to provide exceptional care. They care about...

Read more

Home Care

b52fighter

I am a current client of this provider

Review of One on One Care

One on One Care is by far the BEST agency I have ever used for my mother's care. They placed an exceptional caregiver who has worked with my mom now for two years. They always have back up...

Read more

Home Care

Pressar

I am a current client of this provider

Review of One on One Care

I am a former patient of this company and I have transferred my services because of the unreliable attendant care that I have been receiving. I have tried to work out this situation with the...

Read more

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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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