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

Home care in Suffolk costs $4,767 per month, in line with Virginia’s average state costs and less than the national average of $4,957, according to Genworth Financial. Home care costs vary considerably within the state. Rates in Richmond are over $300 more than in Suffolk. Charlottesville’s home care costs are considerably more at $6,292 per month, $1,525 higher than Suffolk’s rates. Less expensive rates are available in Lynchburg at $4,185, which is over $500 less per month. 

Seniors in Suffolk have several home care options to meet different needs, budgets, and preferences. The most affordable is adult day care at $1,690 per month. Home care and home health care each cost $4,767 per month. Unlike home care, home health care includes medical services involving physical therapists or registered nurses. Assisted living facilities in Suffolk cost $4,690 per month, or $77 less than home care. The most expensive option is nursing home care, with a monthly rate of $8,410, a 76% increase over the cost of 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.