Home Care in Dunbar, WV
Located west of Charleston along the Kanawha River, Dunbar is a town of 7,480 residents where 23.7% of the population is over the age of 65, a higher concentration of seniors than the state and national averages. Overall, the city’s cost of living is more than 24% below the national average, and despite health care being one of the more costly categories in Dunbar, the city’s seniors spend about $3,527 per month on home care, which is $954 less than older adults throughout the country. In addition to Dunbar’s healthcare clinics and hospitals, the city’s seniors can visit nearby Charleston Area Medical Center, which is ranked as the second-best hospital in the state.
Below we’ve compiled a comprehensive directory of every home care provider in the Dunbar area – 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.
Directory of Home Care Services in Dunbar, WV
1599 2nd Ave , Charleston, WV, 25387
1111 Van Voorhis Rd., Suite 2, Morgantown, WV, 26505
One Dunbar Plaza, Suite 100A, Dunbar, WV, 25064
37 Grande Meadows Dr., Suite 203, Bridgeport, WV, 26330
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Paying for Home Care in Dunbar, WV
The Cost of Home Care in Dunbar, WV
Results from the Genworth Cost of Care Survey 2020 show that Dunbar’s seniors pay $3,527 per month for home care, which is the same as the average paid by seniors across the state, and they save about $954 a month compared to the nationwide median of $4,481. Costs in nearby cities vary from $3,241 in Beckley to $3,790 in Huntington. In Parkersburg, seniors pay $3,718, which is about $200 more than their peers in Dunbar.
The Cost of Home Care vs. Other Senior Care Options in Dunbar, WV
Considering that seniors pay $4,000 and $12,106 each month for assisted living and nursing home care, respectively, the $3,527 cost for in-home care makes it one of the most affordable options in Dunbar. The cost is identical for home health care, which includes many of the same services. However, it also provides medical services, including visits from registered nurses and rehabilitative specialists, so it may cost more in some areas. Data for adult day health care wasn’t available, but the state’s $2,243 median cost implies that it’s the least expensive type of care in Dunbar.
Home Health Care
Adult Day Health
Nursing Home Care (semi-private room)
Note: Data for Dunbar was unavailable, so data for the nearest city, Charleston, was used instead.
Financial Assistance for Home Care in Dunbar, WV
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 Dunbar, WV
The following resources include programs and agencies that can help seniors continue to age in place independently by saving money on their household expenses and receiving in-home care services.
The Take Me Home program is designed to help seniors who currently reside in a long-term care facility transition back to living at home. Seniors who qualify may receive financial assistance for moving expenses and depending on their needs, they may also be eligible to receive in-home care services beyond what most seniors receive through Medicaid waiver programs.
The WAP is a federal program that helps low-income Americans lower their heating and cooling bills by increasing the energy efficiency of their homes. After an initial home energy assessment, program participants may receive a range of services including weather stripping, window repairs and replacing insulation in walls, attics and floors. Locally, the program is administered by the Coalfield Community Action Partnership.
Administered by the Division of Family Assistance, the goal of LIEAP is to ensure low-income seniors and families remain safe and warm during the winter. Depending on a senior's energy company and type of heating, the program will pay a portion of participants' heating costs either directly to the program participant or to the energy provider. Seniors must meet income guidelines to qualify.
The local nonprofit organization Kanawha Valley Senior Services can connect older adults in Dunbar with a variety of programs that can help them continue to live at home. Home delivered meals, assistance applying for health insurance, adult day care and in-home respite care are just a few of the services available.
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.
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.
Frequently Asked Questions
What is the difference between in-home care and home health care?
Home care provides seniors with nonmedical services, such as assistance with personal care, household chores and help with errands. It’s similar to home health care, but the latter also provides medical services. Medication management, visits from registered nurses and therapy services are all common with home health care along with many of the services provided with in-home care.
What is the average cost for in-home elderly care in Dunbar, WV?
Based on findings from Genworth, seniors in Dunbar who receive 44 hours of in-home care per week can expect to spend about $3,527 per month. Costs can vary depending on an individual’s care needs and can be estimated by multiplying the expected amount of care required by the rate of $18.50 per hour. In the Dunbar area, the cost is identical for home care and home health care services.
How many home care agencies are there near Dunbar, WV?
With Dunbar being such a small town, there are just five home care agencies in the community. However, Charleston and other larger cities are only a short drive away, which potentially doubles the number of available home care providers. A senior’s options may increase or decrease based on how far each provider is willing to travel.
What are some popular services in home care?
In-home care providers offer numerous services including assistance with activities of daily living such as eating, bathing and dressing, housekeeping, companionship and transportation to medical appointments and social events. Chores such as cleaning and laundry as well as grocery shopping are also commonly provided.
Assisted living homes vs. home care: how to decide?
Determining whether assisted living or home care is a better fit ultimately comes down to a senior’s preferences and needs. Those who wish to maintain maximum independence and don’t need constant access to caregiver assistance may prefer to receive in-home care. In addition to 24/7 access to caregivers, assisted living offers opportunities for seniors to socialize and take part in various events and recreational programs. If isolation is a concern, assisted living may be a better option.