Senior care advisor for Virginia families.
If you’re looking for assisted living, memory care, or in-home senior care in Virginia — and trying to make sense of CCC Plus, VA Aid & Attendance, or what your long-term care insurance actually triggers — you’re in the right place. We’re a free senior care advisor service serving Northern Virginia, Richmond, Hampton Roads, Charlottesville, and everywhere in between.
Free. About 3 minutes. An advisor calls within 48 hours.
Virginia regions & cities we serve
Virginia is a state of distinct senior-care markets. Northern Virginia trades on the federal-employee LTC and federal-veteran population. Richmond and Hampton Roads have the largest assisted-living inventory. Charlottesville and the Shenandoah Valley draw retirees seeking a slower pace.
Northern Virginia
Fairfax, Arlington, Alexandria, McLean, Vienna, Reston, Herndon, Falls Church, Annandale, Burke, Springfield, Centreville, Chantilly, Manassas, Woodbridge, Leesburg, Ashburn, Sterling, Great Falls.
Richmond & central Virginia
Richmond, Henrico, Glen Allen, Short Pump, Midlothian, Chesterfield, Mechanicsville, Ashland, Williamsburg.
Hampton Roads & Tidewater
Virginia Beach, Norfolk, Chesapeake, Newport News, Hampton, Portsmouth, Suffolk, Yorktown.
Charlottesville & the Valley
Charlottesville, Crozet, Albemarle, Harrisonburg, Staunton, Waynesboro, Winchester, Front Royal, Roanoke, Lynchburg, Blacksburg.
Hospital discharge support
We work with case managers at Inova Fairfax, Inova Loudoun, Virginia Hospital Center (Arlington), Sentara Norfolk General, VCU Health, Bon Secours St. Mary’s (Richmond), Centra Lynchburg, UVA Health, and Reston Hospital.
Veteran-heavy areas
Virginia has the second-highest veteran population in the country at 700,000+, concentrated in NoVa (Pentagon, Quantico), Hampton Roads (Norfolk Naval, Langley), and around Richmond. Aid & Attendance is often the first funding path we evaluate.
Local guides
- Fairfax senior careLargest market in VA. Inova Fairfax discharge, federal LTC, A&A.
- Richmond senior careLower-cost market. PACE, VCU Health, Bon Secours discharge.
- Memory care in VirginiaDementia & Alzheimer's care — when, where, how much.
- VA Aid & Attendance guideWartime vets and surviving spouses — adds $2,800–3,300/mo.
What senior care costs in Virginia
Virginia is a tale of two markets. Northern Virginia is among the most expensive senior-care markets in the country; Richmond, Hampton Roads, and the Valley run roughly 20–35% lower. These are real 2025 monthly costs we see in invoices, not brochure rates.
- In-home care (hourly)20-hr/week ≈ $2,300 – $3,200 / mo$26 – $36 / hr
- Live-in / 24-hour home care$13,000 – $19,500 / mo
- Independent living$3,200 – $5,800 / mo
- Assisted living — NoVaall-in with level of care$5,500 – $8,200 / mo
- Assisted living — Richmond / Hampton Roads / Valley$3,800 – $6,000 / mo
- Memory care$6,000 – $9,500 / mo
- Skilled nursing (long-term)$10,500 – $13,500 / mo
Virginia funding paths most families miss
CCC Plus waiver
Virginia's Medicaid waiver that pays for personal care in your own home or in assisted living. Replaces the old EDCD waiver. Covers bathing, dressing, meal prep, medication reminders, and skilled nursing oversight.
Auxiliary Grant
State supplement for SSI recipients living in assisted living. Pays roughly $1,800–2,200/mo on top of SSI. Underused — most assisted living communities don't advertise that they accept it.
VA Aid & Attendance
Virginia has 700,000+ veterans — second-highest in the country. The benefit pays roughly $2,800/mo for a single vet, $3,300 for a married vet, $1,800 for a surviving spouse. Application takes 4–9 months but is worth pursuing for nearly every wartime-era veteran.
Federal LTC insurance (FLTCIP)
If your loved one is a federal employee, postal worker, or military retiree, they likely have FLTCIP coverage. The trigger is 90+ days of needing help with 2 of 6 ADLs. We'll help you file.
PACE (Program of All-Inclusive Care for the Elderly)
Available in Richmond, Newport News, Lynchburg, Roanoke, and Charlottesville. PACE bundles all medical and long-term care for nursing-home-eligible seniors who want to stay home — Medicare + Medicaid pay for it.
Common situations Virginia families call us about
- Hospital discharge in 48 hours — Inova or Sentara case manager said “skilled rehab” or “home with services” and the family is scrambling.
- Veteran needing care — wartime-era vet (WWII, Korea, Vietnam, Gulf, post-9/11) who hasn’t filed for Aid & Attendance. This is the single biggest underclaimed benefit in Virginia.
- Recent dementia or Alzheimer’s diagnosis — wandering at night, leaving the stove on, getting lost driving familiar roads.
- Federal employee parent — likely has FLTCIP. We’ll help you trigger the policy correctly.
- Repeat falls — once EMS is on the speed-dial, the home plan needs an honest re-look.
- Caregiver burnout — the spouse or adult child providing 24/7 care is breaking. Respite or transition support.
- CCC Plus waiver application — the application is dense. We’ll point you to the elder-law attorney we trust.
Virginia senior care FAQ
Does Medicare pay for assisted living in Virginia?
No. Medicare pays for short-term skilled rehab after a qualifying hospital stay (up to 100 days, partial after day 20), home health PT/OT, and hospice. It does not pay for room and board in assisted living or memory care anywhere in Virginia.
How much does assisted living cost in Northern Virginia?
All-in assisted living in NoVa runs $5,500–8,200 per month in 2025, with memory care reaching $9,500. The advertised "starting at" rate is typically $1,500–2,500 below the actual all-in price once level-of-care add-ons hit.
What is the CCC Plus waiver in Virginia?
Commonwealth Coordinated Care Plus is Virginia's Medicaid managed long-term-care program. It covers personal care services in your home, in assisted living, or in a nursing home — once you qualify medically and financially. It replaced the older EDCD waiver.
How does VA Aid & Attendance work in Virginia?
If your loved one served on active duty during a designated wartime period and meets the asset and care-need tests, the VA pays approximately $2,800/mo for a single vet, $3,300 for a married vet, $1,800 for a surviving spouse. Virginia has the second-largest veteran population in the country, so a remarkable share of the families we see qualify.
What's the difference between assisted living and memory care?
Assisted living is open campus with help for daily activities. Memory care is a locked, dementia-trained unit with higher staff ratios, structured engagement, and accept/decline lines for wandering and behaviors. The transition trigger is usually wandering, exit-seeking, or significant aggression — not the diagnosis itself.
Can Medicaid pay for assisted living in Virginia?
Yes — through the CCC Plus waiver and the Auxiliary Grant — but communities accept only a limited number of waiver/AG residents and there can be a wait. Plan early, even if you don't need it for 12+ months.
When should I move my parent to assisted living?
The honest answer: when staying home stops being safe or stops being a life. The earliest signals are repeat falls, missed medications, social isolation, and caregiver stress in the spouse or primary helper. Families almost always wait too long, not too soon.
How do I find a senior care advisor near me in Virginia?
That's us — we're free to families and serve every region of Virginia, from Loudoun and Arlington to Hampton Roads. Start with the 5-question intake and an advisor reaches out within 48 hours, faster if it's urgent.
Five questions, then a real human in Virginia.
No charge to families. No spam. No offshore intake teams.
Start the intake