Nicknamed “The Mountain State” for its scenic location in the Appalachians, West Virginia is one of the best retirement states. In addition to the beautiful surroundings, seniors who settle here can look forward to a low cost of living and access to high-performing hospitals, including the West Virginia University Health System and Charleston Area Medical Center. With these advantages, it’s no surprise that seniors represent 20.5% of the West Virginia population, compared to just 16.5% of the nation. 

Home care services can help West Virginia seniors continue to enjoy living at home. In-home care provides nonclinical assistance with day-to-day living, such as personal care, housekeeping and transportation. This service costs an average of $3,527 per month. Home health care is a clinical service performed by a skilled nurse or other medical professionals, which is $3,575 per month.

This guide explains what you need to know about in-home care and home health care in West Virginia, from its costs and how to pay for it to several free and low-cost resources to help you age in place.

The Cost of In-Home Care in West Virginia

Genworth’s 2021 Cost of Care Survey revealed that West Virginia is an affordable place to receive in-home care. Nationally, seniors pay an average of $4,957 per month for this service, while in West Virginia, the cost is only $3,527. Seniors in neighboring states pay much higher prices than their West Virginian counterparts. In Ohio and Pennsylvania, the cost is on par with the national average, while Kentucky and Virginia are nearly as expensive at $4,767 per month.

$3527

West Virginia

$4957

The United States

$4957

Ohio

$4957

Pennsylvania

$4767

Kentucky

$4767

Virginia

While in-home care is affordable in West Virginia as a whole, costs vary from one city to another. Seniors in Beckley pay the state’s lowest prices at $2,717 per month, while up in Morgantown, costs are nearly as low at $3,051. At $3,670, the monthly fee in Huntington is slightly higher than the state average. Typical in-home care costs are the highest in Charleston ($4,481) and Weirton ($4,576), though these prices are still affordable compared to national figures.

$4481

Charleston

$3670

Huntington

$3051

Morgantown

$2717

Beckley

$4576

Weirton

The type of senior care you need may affect your monthly costs. In-home care costs $3,527 per month, and home health care averages just $48 more. Adult day health care provides support during daytime hours for $1,083 per month. Seniors who can’t or don’t want to age in place may consider residential care options. Care in an assisted living facility costs an average of $4,160 per month, while for the more extensive care provided by nursing facilities, seniors can expect to pay nearly three times more.

$3527

In-Home Care

$3575

Home Health Care

$11619

Nursing Home Care

$4160

Assisted Living

$1083

Adult Day Health Care

Does Medicaid Cover Home Care in West Virginia?

Home care is available through West Virginia Medicaid’s Personal Care Services program. Medicaid members who have a medical need for in-home care may receive help with personal care and light housekeeping, as well as health-related tasks. Seniors may be eligible for up to 210 hours of care per month.

Another option for seniors seeking Medicaid-funded home care is the Aged and Disabled Waiver Program. This home- and community-based services waiver provides a variety of supports to help seniors remain in their homes for as long as possible. 

Home Care Waiver Programs in West Virginia

Aged and Disabled Waiver Program

Seniors who enroll in the Aged and Disabled Waiver receive an individualized service and support plan and regular assessments to ensure the plan is meeting their needs. Some of the waiver benefits seniors may receive in their care plan include:

  • Hands-on assistance with personal care and hygiene tasks
  • Light housekeeping
  • Meal planning, grocery shopping and meal preparation
  • Transportation to medical appointments and errands
  • Personal emergency response systems

This waiver includes a self-directed service option for seniors who prefer to manage their own care. They can receive a monthly budget to spend on waiver services and may hire friends or family members as caregivers. 

Seniors may be eligible for Aged and Disabled Waiver services if they:

  • Live in West Virginia
  • Earn no more than 300% of the Supplemental Security Income monthly payment (income limit for 2022 is $2,523)
  • Have deficits in at least five daily functions, such as eating, bathing or walking
  • Want to live at home, not in a nursing facility

How to Know if You’re Eligible for Medicaid in West Virginia

Seniors receiving SSI payments are automatically eligible for West Virginia Medicaid and don’t need to submit a separate application. Seniors who qualify for SSI, but aren’t receiving payments, are also eligible for Medicaid. The income limit is the federal benefit rate, which in 2022 is $841 per month for an individual and $1,261 for a couple.

2022 Medicaid Income Limits for Seniors in West Virginia

Income Limits*
Asset Limits

Single Person

$10,092

$2,000

Two-Person Household

$15,132

$3,000

*Per year

There are also non-financial eligibility requirements to consider. To receive West Virginia Medicaid, you must:

  • Live in West Virginia
  • Be a U.S. citizen (or lawfully present noncitizen)
  • Need health coverage

How to Apply for Medicaid in West Virginia

To meet the needs of Medicaid applicants, West Virginia offers several different ways to apply for the program. Seniors may choose to:

What Information You Will Need

In West Virginia, every Medicaid applicant must show proof of identity and U.S. citizenship. The state may also ask to verify your income and assets. For a smooth application process, gather the necessary financial documentation before starting. Some examples of documents you might need include:

  • Pay stubs
  • Pension statements
  • Income tax returns
  • Bank statements
  • Retirement account statements
  • Property deeds
  • Life insurance policies
  • Vehicle registrations

How to Get Help Applying for Medicaid

Seniors who need help applying for West Virginia Medicaid can take advantage of one of the state’s many free information and assistance. Below, you’ll find government departments and nonprofit organizations to help you get Medicaid coverage.

Contact
Area Served
Services Provided

(304) 558-1700

Statewide

Seniors can visit the DHHR website to learn about West Virginia Medicaid, including eligibility rules and how to apply. The website also provides limited information about the Personal Care and Aged and Disabled Waiver programs. For in-person help with Medicaid, visit your local field office.

(866) 767-1575

Statewide

The West Virginia Bureau of Senior Services provides detailed information about the Personal Care and Aged and Disabled Waiver programs on its website. Seniors who have questions about these programs can call the Bureau’s Medicaid helpline. 

(800) 229-5068

Statewide

West Virginia Senior Legal Aid provides free legal information, advice and out-of-court advocacy to people 60 and older. Seniors can call its statewide helpline if they have questions about appealing a Medicaid denial. While the law firm doesn’t provide legal representation, it may help seniors find free attorneys.

Does Medicare Cover In-Home Care in West Virginia?

In general, Medicare does not cover the cost of non-medical home care. That being said, there are situations in which Medicare provides some coverage for medical home care, referred to as “Home Healthcare.” There are several eligibility restrictions for coverage, including that individuals must be homebound and have a referral from their doctor specifically for home healthcare services.

Below is an overview of some of the skilled medical professionals whose in-home services are typically covered by Medicare – for more in-depth information, refer to our Guide to Home Healthcare.

  • Physical Therapists: Physical therapy is used to help patients recover from injuries (broken bones, knee injuries, etc.), treat ongoing conditions such as arthritis, and assist in recovery from surgeries and procedures such as a knee or hip replacement.
  • Visiting Nurses: Licensed nurses can provide a number of medical services for those who don’t need to stay in the hospital, but do need regular medical services such as wound care, changing feeding tubes, etc.
  • Occupational Therapists: Occupational therapists help seniors regain or maintain the ability to accomplish normal, daily tasks, such as bathing, dressing, eating, and other daily activities.
  • Speech Therapists: Speech therapists help seniors who are struggling to adequately communicate due to a stroke, dementia, or any other cause regain the ability to functionally communicate using a variety of means. Additionally, speech therapists help to keep seniors independent by modifying diets, teaching special techniques to swallow safely, and retraining associated muscles.

As mentioned above, in-home care is distinctly different from home healthcare. But, there can be some overlap in services between the two types of care. So, while Medicare doesn’t cover non-medical in-home care, there are in-home care services that may be covered in special circumstances when they’re provided in conjunction with home healthcare (such as an occupational therapist helping with eating or dressing)

Other Financial Assistance Options for In-Home Care in West Virginia

While the above programs help many people finance in-home care, they will not cover all costs for everyone. There are other ways to pay for in-home care, including out-of-pocket arrangements with siblings, annuities, reverse mortgages, private insurance and more. Read Caring.com’s Guide to In-Home Care Costs to learn more about these alternative payment options.

Free and Low-Cost Resources for Seniors in West Virginia

Seniors who want to live in their homes for as long as possible can take advantage of West Virginia’s many free and low-cost aging supports. There is no shortage of resources available to West Virginia seniors, from information and referral services to emergency food assistance to friendly visiting programs.

Contact
Area Served
Services Provided

Contact your local AAA

Statewide

AAAs are one-stop shops for seniors seeking information about local programs and services. At the four AAAs in West Virginia, seniors can learn about and get help accessing community resources to help them age in place. 

(304) 558-0628

Statewide

West Virginia’s Division of Family Assistance offers utility assistance programs for eligible households. The Low Income Energy Assistance Program may help seniors cover home heating costs. It also provides programs for seniors to secure discounts from their utility companies or telephone providers.

Contact your local CIL

Statewide

CIL is a nonprofit agency that assists disabled residents of all ages with remaining in their homes. Its information and referral services connect seniors with benefits programs, accessible transportation, adaptive technology and other supports.

(304) 364-5518

48 counties

Mountaineer Food Bank provides emergency food assistance in 48 West Virginia counties. Through the Commodity Supplemental Food Program, this nonprofit organization distributes free boxes of nutritious food to low-income seniors.

(304) 422-4993

24 counties

The Senior Companions program matches homebound seniors with volunteers aged 55 and older. These volunteers provide friendly visits and companionship. They can also assist with tasks such as grocery shopping and light housekeeping. 

(304) 558-3333

Statewide

West Virginia’s property tax exemption for homeowners 65 and older can help seniors lower their tax bills. It exempts up to $20,000 of a home’s assessed value from property tax. Seniors can apply for this exemption by contacting their County Assessor’s Office.

(877) 987-3646

Statewide

The Lighthouse Program is a statewide initiative that provides home care to seniors unqualified for Medicaid. Seniors may receive up to 60 hours of non medical in-home assistance each month. The program charges sliding scale fees.

COVID-19 Rules for In-Home Care Providers in West Virginia

The Centers for Medicare & Medicaid Services (CMS) COVID-19 vaccine mandate for CMS-certified providers applies to West Virginia home health agencies. It required all CMS-certified home health agency employees to receive either full vaccination or a qualifying exemption by March 15, 2022

While the CMS mandate doesn’t apply to Medicaid-funded home care services, West Virginia home care agencies are allowed to set COVID-19 vaccination rules for employees. However, state law requires they provide both medical and religious exemptions. Seniors can contact home care agencies for details about their policies. 

Note: The information in this section is current as of April 2022. For up-to-date information about COVID-19 rules in West Virginia, contact your Area Agency on Aging.

In-Home Care Laws and Regulations in West Virginia

The West Virginia Department of Health and Human Resources oversees home care providers in the state. The regulations in West Virginia are based on federal home agency regulations governing agencies offering Medicaid services.

In-Home Care Laws and Regulations in West Virginia
Scope of Care
Home health agencies can provide both clinical and nonclinical services. Clinical services can include skilled nursing and physical and occupational therapy. Nonclinical support may include personal care services and homemaker support.
Care Plan Requirements
Agencies must provide each participant with a written plan of care that specifies the care and services necessary to meet their needs. It must also include the frequency and duration of visits and the goals of the treatment.
Medication Management Requirements
Home health aides can provide assistance administering medications that are normally self-administered.
Staff Screening Requirements
All home health agencies must conduct a registry check and fingerprint-based criminal background check prior to hiring staff.
Staff Training Requirements
Professionals providing skilled services must be licensed to provide those services. Home health aides must complete at least 75 hours of classroom and practical training prior to employment and at least 12 hours of continuing education each year. Those providing personal care services only need to be trained in the services they are providing.
Medicaid Coverage
The Medicaid Personal Care Program and Aged and Disabled Waiver will cover some or all of the cost of in-home care for those who qualify.
Reporting Abuse
Abuse should be reported to Adult Protective Services by calling 1-800-352-6513.

Frequently Asked Questions

How much does in-home care cost in West Virginia?

In-home care in West Virginia has an average cost of $3,432 per month, according to the Genworth Financial Cost of Care 2019 Survey. These services are also known as homemaker services. Seniors who require clinical support may wish to look at home health care, which includes skilled nursing and also averages $3,432 per month in the state.

Are there financial assistance programs for in-home care in West Virginia?

West Virginia has a number of financial assistance programs that support in-home care. The Ron Yost Personal Assistance Services Program and the Lighthouse program allow seniors to choose caregivers to assist them with activities of daily living. The Older Americans Act/Legislative Initiatives for the Elderly program is run through County Aging Providers and has a range of services available, such as meal delivery and yard maintenance.

Are there transportation assistance programs in West Virginia?

West Virginia has a Non-Emergency Medical Transportation program available to Medicaid recipients. This program helps eligible residents attend Medicaid-covered health appointments. Benefits include reimbursement for gas mileage, bus passes and transportation through private providers.

What does it mean to age in place?

Aging in place is a term used to describe a senior’s decision to remain in their own home as they grow older. People who choose to age in place may need to make changes to their home and lifestyle to ensure they remain safe and comfortable. These changes may include home modifications, the purchase of assistive technology or receiving support through in-home care services.

Does Medicare pay for in-home care?

Medicare does not pay for nonclinical in-home care, such as assistance with activities of daily living, homemaker services and meal deliveries. However, seniors who require medical services in their home, including intermittent skilled nursing, physical therapy and medical social services, may be covered under Medicare Part A or Medicare Part B.

How to Find an In-Home Care Provider in West Virginia

Whether you are looking for yourself or a loved one, finding a quality home care provider can be a stressful process. When you hire an in-home care aide you’re placing a lot of trust in the hands of the person by inviting them into your home, so you’ll want to be diligent in your search. At Caring.com, we’re here to help – we’ve created a helpful checklist below that can help guide you through the process of both determining your needs and finding a home care agency that will provide the best care possible.

Find Home Care Agencies Near You

To find quality home care providers near you, simply input the zip code or city where you would like to start your search. We have an extensive directory of home care agencies all across the nation that includes in-depth information about each provider and hundreds of thousands of reviews from seniors and their loved ones.

Right at Home – Charleston

1599 2nd Ave ‌, Charleston, WV, 25387

Right at Home provides in-home caregiving services for thousands of families across the nation. We offer companionship and help with everyday tasks that have become challenging for an aging person. Th … (read more)
Right at Home provides in-home caregiving services for thousands of families across the nation. We offer companionship and help with everyday tasks that have become challenging for an aging person. Th … (read more)

A Special Touch In-Home Care

325 4th Ave Suite 2, South Charleston, WV, 25303

Quality Care in the Comfort of Your Home <p></p> When a loved one is disabled or elderly, it can be challenging to provide quality care daily, especially without living in the home with the individu … (read more)
Quality Care in the Comfort of Your Home <p></p> When a loved one is disabled or elderly, it can be challenging to provide quality care daily, especially without living in the home with the individu … (read more)

Adelphie Home HealthCare – Brandon, FL

1111 Oakfield dr, Brandon, FL, 33511

It’s been about two months now, and been pretty good. Adelphi have been very helpful to me and my wife. They help with my medicines. I could never tell which ones are for my blood pressure or which on … (read more)
It’s been about two months now, and been pretty good. Adelphi have been very helpful to me and my wife. They help with my medicines. I could never tell which ones are for my blood pressure or which on … (read more)

Visiting Angels

1022 Bridge Road, Suite C, Charleston, WV, 25314

Top notch. Well worth the cost. Punctual. Flexible. Angela F. is a superior employee; not only cleaning, but organizing. A few sensible rules to follow. I am the client and would place a famil … (read more)
Top notch. Well worth the cost. Punctual. Flexible. Angela F. is a superior employee; not only cleaning, but organizing. A few sensible rules to follow. I am the client and would place a famil … (read more)

Interim HealthCare of Morgantown, WV

1111 Van Voorhis Rd., Suite 2, Morgantown, WV, 26505


Central WV Aging Services, Inc.

4510 Pennsylvania Avenue, Charleston, WV, 25302


Senior Helpers

3901 Briscoe Road, Parkersburg, WV, 26104


Maxim Healthcare Charleston, WV

313 MacCorkle Ave. SW, Suite 200, Charleston, WV, 25303


Interim HealthCare of Bridgeport, WV

37 Grande Meadows Dr., Suite 203, Bridgeport, WV, 26330