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

The average monthly cost of home care in Sterling is solidly above both state and national averages. Of the cities in Genworth’s 2021 study, Lynchburg reports the lowest average monthly costs for home care at $4,185. The highest cost, conversely, is reported by Charlottesville at $6,292. Blacksburg, which is located close to the West Virginia border, is also more expensive than national and state averages, as is the state capital of Richmond.

Nursing home facilities offer the highest level of medical support but are quite expensive. In Sterling, a semiprivate room in a nursing home is more than twice as expensive per month as home care. Assisted living care is slightly more expensive than home-based care but only by 10%. Adult day health care, which can be helpful in plugging coverage gaps for primary caregivers, is considerably less expensive than the competing options, though it also tends to be less flexible.

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.