The Best Home Care Agencies for Seniors in Fairmont, WV for 2025

According to the 2021 Genworth Cost of Care Survey, home care in Fairmont costs $3,051 per month, which is lower than the national median of $4,957 and West Virginia's statewide average of $3,527. Home care in Martinsburg also costs more than in Fairmont at $5,148 per month, and Charleston also carries a higher monthly rate at $4,481. In Huntington, seniors pay about $619 more for care, but the price in Beckley drops to $2,717 per month, which is less than in Fairmont. 

Home care agencies provide personal care services, while home health care includes skilled nursing services, including rehabilitative therapies and medical equipment assistance. Despite these differences, they share a monthly rate of $3,051 in Fairmont. For about $2,649 more per month, seniors can access assisted living, residential care that provides housing, meals and personal care assistance. A nursing home is an alternative residential care option offering 24-hour skilled nursing care for a higher monthly rate of $12,167. 

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 to pay 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 nonmedical 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 services 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 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 tax-free portion of your home's equity in cash. 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 have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.