The 5 Best Home Care Agencies for Seniors in Stephens City, VA for 2024

Just a short distance from the Allegheny and Blue Ridge Mountains, Stephens City is a small town within Frederick County, Virginia, with a low population of 93,717. In Frederick County, 18.2% of residents are 65 and older, which has a higher-than-average senior population compared to the 16.5% national average. The 2021 Genworth Cost of Care Survey shows that residents can expect to pay a median amount of $4,671 for in-home care, which is less than the state median. For emergency care, there are two local hospitals near Stephen City, Warren Memorial Hospital and Winchester Medical Center.

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

Home care costs in Stephens City are around $96 less than the state median, making it slightly more affordable. The costs here also beat out the national median by approximately $286. The cities lying to the east and south tend to have lower median costs compared to larger cities, such as Richmond. 

Home care in Stephens City is less expensive than assisted living by around $344. Additionally, it’s approximately $6,431 less than nursing home care. For adult day care services, the costs are approximately a fourth of the price of in-home care services. Home health typically involves medical services and costs about $140 more than home care.

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.