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The 10 Best Home Care Agencies for Seniors in Suffolk, 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 Suffolk, VA, residents and their loved ones rate In Home Care agencies 3.66 out of 5 stars across the 19 options below.

Home Care Agencies in Suffolk, VA

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Paying for Home Care in Suffolk, VA

The Cost of Home Care in Suffolk, VA

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. 

Suffolk

$4,767

Virginia

$4,767

The United States

$4,957

Richmond

$5,148

Charlottesville

$6,292

Lynchburg

$4,185

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

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.

Home Care

$4,767

Home Health Care

$4,767

Adult Day Health Care

$1,690

Assisted Living Facility

$4,690

Nursing Home Facility (semiprivate room)

$8,410

Note: Data for Suffolk was unavailable, so data for the nearest city, Virginia Beach Area, was used instead.

Financial Assistance for Home Care in Suffolk, 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.

Free & Low-Cost Home Care Resources in Suffolk, VA

Seniors living in Suffolk have several free and low-cost services available to help with aging in place. Several government and non-profit organizations support seniors living at home by providing in-home care, Medicare counseling, meal assistance, property tax relief and home weatherization. To learn more, seniors and caretakers can contact the agencies and organizations listed below.

ResourceContactService
Senior Services of Southeastern Virginia(757) 461-9481Senior Services of Southeastern Virginia supports Suffolk residents aged 60 and older who need assistance with aging in place by providing information on many area support services. Counselors help seniors understand long-term care options and assist with Medicare benefits and applications. In partnership with local home care agencies, resource specialists arrange in-home care for seniors recovering from illness or a hospital stay at a sliding scale rate based on income.
Meals on Wheels of Suffolk & Isle of Wight(757) 934-4911Meals on Wheels volunteers deliver one hot meal and one chilled meal on weekdays to seniors aged 60 and over. The meals are a low cost of $7.50 each day of delivery and are free to seniors qualifying for financial assistance.
Suffolk Department of Social Services Tax Relief Program(757) 514-4870Suffolk seniors aged 65 and older who own their own homes can apply for a reduction or an exemption from state real estate property tax. Applications can be sent or emailed to the Suffolk Department of Social Services Real Estate Tax Relief Program. The tax reduction is based on income and the median value of the home.
East Suffolk Recreation Center Senior Program(757) 514-4500The East Suffolk Recreation Center provides a variety of activities for residents aged 55 and older at a low cost of $5 each year. Activities include health and wellness screenings, fitness classes, and recreational activities.
Project:HOMES Weatherization Program(804) 233-2827Project:HOMES administers a federally-funded weatherization program for low-income homeowners in Suffolk. This program provides energy-saving home improvements free of charge, including furnace and air conditioning repair, sealing air leaks and adding insulation. Seniors who need assistance with energy-related home improvements can visit the Project:HOMES website to review income eligibility and submit an application.

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 – oftentimes 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.

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Checklist for determining the need for in-home care
Checklist for determining the need for in-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.

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Talking with family and others about a loved one's needs
Talking with family and others about a loved one's needs

Frequently Asked Questions

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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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