Page Reviewed / Updated - May 22, 2019
The purpose of this guide is to outline the costs associated with different levels of senior care, including assisted living, home care, adult day health care and nursing home care. The variance in senior care costs across major cities near Fredericksburg are provided, as well as the programs available to help finance senior care in the city.To learn more about senior care in Virginia, review our state guide.
The cost of senior care in Fredericksburg largely depends on what level of care is required. When compared to the monthly national average of $4,000, the cost of assisted living in this city is a little over $1,000 more at $5,048 per month. The cost of nursing home care is $7,917, which is $500 more than the national average of $7,441. Homemaker services are about $200 lower than the national average of $4,004, and adult day health care costs are slightly more than $100 lower than the national average of $1,560.
Compared to the state as a whole, assisted living and nursing home costs in Fredericksburg are relatively high, with assisted living costing about $600 more and nursing home care costing over $450 more than the respective statewide averages of $4,451 and $7,452. The cost of home care is on par with the statewide average at $3,813, and adult day health care costs about $65 less in Fredericksburg than in the state as a whole, where this type of senior care averages $1,517 per month.
Note: Senior care data isn't available for Fredericksburg, so data for the closest city, Richmond, was used.
Of the major cities surveyed, Fredericksburg is the most expensive option for assisted living, with this level of care costing roughly $600 more than the statewide average and about $300 more than Blacksburg, where assisted living averages $4,695 per month. The most affordable care can be found roughly 130 miles away in Lynchburg, where the average cost for assisted living is $3,695 per month.
Closer cities with more affordable assisted living rates include Charleston, which is 70 miles away and nearly $500 cheaper per month, Harrisonburg, which is 90 miles away and about $900 cheaper per month, and Staunton, which is 100 miles away and about $800 cheaper per month.
The cost of home care in Fredericksburg is the same as the statewide average of $3,813 per month. This assumes 44 hours of care per week at a rate of $20.00 per hour.
Of the cities surveyed, four cities had more expensive home care costs, including Charlottesville, where monthly costs average $4,385, Lynchburg, where monthly costs average $3,956, and Staunton and Blacksburg, where this type of care costs an average of $4,004 per month. More affordable care may be found in Virginia Beach, Harrisonburg and Winchester, where home care costs $3,623, $3,527 and $3,670, respectively.
Adult day health care in Fredericksburg costs about $60 less than the statewide average and is on par with the average cost of the cities surveyed.
Charlottesville and Staunton are among the priciest options in the region for this type of care, with average costs coming in a little over $1,700 in both cities, followed by Virginia Beach, where this type of care costs $1,560 per month. The most affordable city for adult day health care is Blacksburg, where monthly costs average just over $1,200.
Compared to the statewide average, nursing home care in Fredericksburg is about $450 more expensive.
Of the cities surveyed, Fredericksburg is among the most costly cities for nursing home care, coming in third to Harrisonburg, where costs average nearly $8,600 per month, and Winchester, where this level of care costs more than $10,000 per month.
The most affordable care is found in Lynchburg at $6,385 per month, though Charlottesville, Virginia Beach, Staunton and Blacksburg also have lower nursing home rates than Fredericksburg.
Fredericksburg seniors who meet income guidelines may qualify for Virginia Medicaid. In Virginia, the Medicaid program is administered by the Department of Medical Assistance Services, and an applicant’s eligibility is determined by their local Department of Social Services. Medicaid is an entitlement program, meaning that all applicants who meet guidelines may receive benefits.
Seniors who reside in nursing homes may have services paid for through Institutional Medicaid. Like regular Medicaid, this program is an entitlement, meaning that it is available to all who meet eligibility guidelines, and is provided exclusively in nursing homes.
To be eligible for Medicaid, seniors must have a monthly income of less than $832.66 per month for regular Medicaid and $2,313 per month for Institutional Medicaid. Individuals may have up to $2,000 in countable assets. Couples who are both applying for Medicaid may have a monthly income of up to $1,127.33 per month for regular Medicaid and $4,626 for Institutional Medicaid and up to $3,000 in countable assets.
More information about Virginia Medicaid, visit Virginia's Department of Medical Assistance Services or call (804) 786-7933.
Commonwealth Coordinated Care Plus Medicaid Waiver
The Commonwealth Coordinated Care Plus Medicaid waiver provides services for seniors who require nursing home level care but wish to continue living in their own home. The program covers a variety of services, including respite services, adult day health care, assistive technology, home modifications and skilled private duty nursing. Program participants have the freedom to hire their own caregiver, including friends and relatives.
To be eligible for the Commonwealth Coordinated Care Plus Medicaid Waiver, an applicant must meet certain criteria. The program is available to individuals who:
As of 2019, the income limit for this program is set at 300 percent of the Federal Benefit Rate. An individual's income may be up to $2,313 per month, and they have up to $2,000 in countable assets.
CCC+ has an enrollment cap, so eligible applicants may be placed on a waitlist. To learn more about this program, visit our CCC+ guide. To begin the application process, call DMAS at 804-786-7933 or visit the local Social Services office.
Adult Services provides assistance to low-income adults age 60 and over who wish to continue living in their own homes rather than transitioning to an assisted living facility or nursing home. The program pays for home care services such as shopping, chores, adult day care and housekeeping.
To be eligible for Adult Services, applicants must be residents of Virginia and at least 60 years of age. While the exact criteria for acceptance into the program is unpublished, acceptance is based on applicants' need for service and the availability of the service required, along with financial considerations.
For more information on this program, applicants should call (540) 372-1032 and ask to speak to an adult services worker. More information may also be found on our guide.
The Auxiliary Grant is available to Supplemental Security Income recipients and seniors who reside in a licensed assisted living facility or approved adult foster care home. This assistance can offset the monthly fees associated with assisted living, including care services and room and board.
The eligibility requirements for the Auxiliary Grant are very complex and are based on applicants' age, residency, functional ability and income and assets. Applicants must be at least 65 years of age or blind or designated as disabled by the Social Security Administration. They must be residents of Virginia for at least 90 days prior to applying for this program. Additionally, they must meet functional ability criteria depending on the level of care that they receive.
While exact income guidelines for this program are unpublished, the applicant's monthly cost of their assisted living or foster care at licensed facilities must exceed their countable monthly income. Up to $2,000 in countable assets for an individual and $3,000 for a couple is permitted.
|Central Virginia Housing Coalition||(540) 439-8690||Central Virginia Housing Coalition provides affordable housing for low-income seniors. The organization's properties include one- and two-bedroom apartments and two- and three-bedroom homes throughout the city of Fredericksburg.|
|Mill Park Terrace||(540) 371-4430||Mill Park Terrace provides affordable, pet-friendly housing for low- and middle-income seniors aged 62 and over. This housing complex features comfortable apartments with complete kitchens, resident-controlled access and an on-site laundry room.|
|Energy Assistance Program||(855) 635-4370||The EA program provides heating, cooling and weatherization assistance for low-income Fredericksburg residents.|
|Elderly and Disabled Tax Relief Program||(540) 372-1207||The Elderly and Disabled Tax Relief program provides partial or total tax relief for low-income seniors. To qualify, applicants must be at least 65 years old and have an annual income of less than $50,000.|