Financial Assistance, Costs and Payment Options for Eldercare in Virginia

This webpage will help Virginia residents understand assisted living, home care and adult day care costs throughout the state.  It also explores the payment options and financial assistance programs available to assist in caring for the elderly, be that in residential care or for aging in place at home.

The programs outlined here are comprehensive of what is available from the state of Virginia but not of what is available nationally. Search for assistance nationwide, using our Resource Locator Tool.

Virginia Elder Care Costs

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Assisted Living

As of 2017, the average monthly cost of assisted living in Virginia is $4,050. This works out to an annual cost of $48,600. While expensive relative to the national average, which is $3,650 / month, the good news in Virginia is that 2017 has seen little price inflation in the cost of assisted living over the last two years.

There are certain areas of the state where the cost is considerably lower, most notably Harrisonburg, Richmond, Lynchburg, and Staunton, where the average annual costs are $4,860 - $10,800 less. Residents of Virginia Beach, Winchester, and Charlottesville should be aware that they live in the most expensive areas for assisted living. In these areas, the average costs can reach between $53,424 and $68,700. Residents might consider moving to other areas of the state to save money.

Home Care

Home care costs, like assisted living, fluctuate considerably based on one's geographic location within Virginia. The average statewide hourly cost in 2017 is $19.50, which has increased by $1.50 / hour since 2015. However, this is still below the national level of $20.50 / hour. Staunton, Richmond, and Winchester see costs closer to $17.25 - $18.50 / hr., while Blacksburg and Charlottesville are approximately $20 / hr. It is worth noting that these costs are for non-medical home care.

Care in the home, provided by medically trained professionals is also available, and will generally cost several dollars more per hour. However, one exception is the area of Blacksburg, where the average hourly cost for this type of care is approximately $.50 more than is non-medical home care.

Adult Day Care

Statewide, the average daily cost of adult day care is $67. Unfortunately, in some rural areas of the state, adult day care services are not available. In those areas where it is available, adult day care is generally less costly than the national average, which is $70 / day. Therefore, residents might consider this a more affordable option relative to assisted living. One will find the most affordable day care in Blacksburg, Harrisonburg, and Winchester, where it is approximately $53 - $61 / day. On the other hand, the most expensive adult day care can be found in Charlottesville and Staunton, where the average daily cost is $82.



Virginia Financial Assistance Programs

Medicaid Programs & Waivers

Medicaid is a health insurance program intended for lower income Americans. The federal government sets certain guidelines for the program and within those guidelines the states are free to manage the program as they see best for their residents. Each state has different types of Medicaid programs, some for families, some for children, and others specifically for the elderly or those requiring long-term care.

For purposes of relevance, we will focus on Long Term Care Medicaid, which is sometimes called Institutional Medicaid, implying that the program will only cover the cost of nursing home care. While Virginia’s state Medicaid plan will cover the cost of nursing home care and limited personal care, the state also offers Medicaid waivers, which provide home and community based services to avoid or delay nursing home placement.


As of 2107, Virginia has three relevant waivers for the elderly. Make note, unlike the state Medicaid plan, Medicaid waivers have enrollment limits. This means that being eligible for services does not guarantee enrollment into the program. Once a program has reached its enrollment cap, there will be a waitlist for services.

1) The Alzheimer's Assisted Living Waiver (AAL) provides individuals with dementia, Alzheimer's or other related conditions daily care assistance in assisted living communities. Services provided include help with bathing and grooming, medication management, housekeeping, and preparation of meals.

2) The Elderly or Disabled Waiver with Consumer Direction (EDCD) provides services to individuals who require a nursing home level of care in order to assist them in living at home. Via this program, individuals are able to select the caregiver of their choosing, including some family members. Other services may include adult day care, medication monitoring, respite care, and personal emergency response systems.

3) The Technology Assisted Waiver or Tech Waiver, helps technology dependent individuals remain living in their homes. In addition to care services, it will help to pay for environmental (home) modifications to accommodate for a disability or chronic condition.

Eligibility Requirements

In addition to the functional need of services and benefits, Medicaid evaluates senior candidates based on their income and assets. In 2017, the monthly income limit for full Medicaid is $804. However, partial assistance from Medicaid is available for those with monthly incomes up to $2,205. The asset limit is $2,000, but this excludes the value of a home (up to $560,000), a vehicle, and certain other personal effects. Persons near or over these limits, as well as married couples, may want to consult with a Medicaid Planning Professional prior to application. Learn more.


State Assistance Programs

Virginia has two relevant state assistance programs for elderly residents: Adult Services (AS) and Auxiliary Grant (AG).

Adult Services is a program intended to help frail elderly persons remain living in their homes and delay / avoid nursing home placement. It achieves this by providing a variety of supports, such as chore services, adult day care, shopping, and housekeeping. Learn more about Virginia Adult Services.

The Auxiliary Grant program shares a goal with the Adult Services program, which is to reduce nursing home placements. However, this program does not support individuals at home, rather it provides a cash grant to help them pay for the fees associated with assisted living or adult foster care. Provided assistance in these settings include housecleaning, personal care assistance, and meals. Read more.

Additional assistance may be available under the Older Americans Act. Typically this is non-medical support available to elderly persons in their homes, such as meal assistance and chore services. Benefits will vary dependent on the region in which one resides and the Area Agency on Aging (AAA) that services them. Find your local AAA here.


Other Financial Options for Care

In addition to the state specific options that help pay for elderly care, there are many non-profit and federal options that are also available. To find the best program for your situation, make sure to use our Resource Locator Tool to find other programs that help pay for or reduce the cost of care. There are also programs that help veterans with assisted living and there are eldercare loans available in Virginia.


Finding Affordable Care

Given the large variance Virginia sees in the hourly cost of home care and the monthly cost of assisted living, one of the best ways to manage the cost of care is to find the most affordable care. To help families do so, we've partnered with several organizations that provide free services that match an individual's specific care needs with care providers in their preferred geographic area. Click here to find affordable care.