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

Stephenson, VA, is located in Frederick County near U.S. Route 11. Frederick County has a population of 93,717, with around 18.2% of seniors age of 65 or older. That’s higher than the national average of 16.5% across the U.S. According to the 2021 Genworth Cost of Care Survey, residents in Stephenson, VA, share monthly in-home care costs with Winchester, VA, due to proximity and pay a median of $4,671 monthly. This is lower than the state average. Furthermore, residents in this region may head to two local hospitals for medical support, Winchester Medical Center and Warren Memorial Hospital.

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

In Stephenson, VA, the median monthly cost of care is approximately $4,671, which makes it possible to get home care costs for around $96 less than the state median. Costs in this area are also lower than the national median by around $286. Generally speaking, care in smaller cities, like Lynchburg and Roanoke tend to have lower costs, while larger cities, like Richmond, cost more.

Getting home care in Stephenson is more affordable than assisted living by $398, based on median costs. It is also around $6,431 less than skilled nursing support in a nursing home. Home care refers to unskilled support in the home, whereas home health care provides light medical services. As a result, home health care costs more than home care. Adult day health care costs are far less than home care, with a median cost approximately a fourth of the cost. 

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.