{"id":5158,"date":"2026-07-24T16:18:08","date_gmt":"2026-07-24T16:18:08","guid":{"rendered":"https:\/\/preferhome.com\/locations\/virginia-beach\/?page_id=5158"},"modified":"2026-07-24T16:18:08","modified_gmt":"2026-07-24T16:18:08","slug":"paying-for-dementia-care","status":"publish","type":"page","link":"https:\/\/preferhome.com\/locations\/virginia-beach\/paying-for-dementia-care\/","title":{"rendered":"Paying for Dementia Care in Virginia: What Families Actually Combine"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"5158\" class=\"elementor elementor-5158\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0378a3d e-con-boxed e-flex e-con e-parent\" data-id=\"0378a3d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-325d566 elementor-widget elementor-widget-html\" data-id=\"325d566\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n.h5x{position:relative;margin:0 -100vw;padding:44px 100vw 48px;min-height:0;display:flex;align-items:center;overflow:hidden;background:#14120F;}\n.h5bg{position:absolute;top:0;bottom:0;left:calc(50% - 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Medicare doesn&#8217;t. This guide walks through what each payer actually covers, how Virginia&#8217;s Medicaid pathway works, and where Virginia Beach families start &mdash; we also help families file Long-Term Care insurance claims and know the local application paths, so consider this a map, not a sales pitch.<\/p>\n  <ul class=\"h5chips\"><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>What each payer covers &mdash; and what it doesn&#8217;t<\/span><\/li><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>Virginia&#8217;s CCC Plus waiver, explained step by step<\/span><\/li><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>VA Aid &amp; Attendance for Hampton Roads veteran families<\/span><\/li><\/ul>\n  <div class=\"h5btns\"><a class=\"h5btn\" href=\"https:\/\/preferhome.com\/locations\/virginia-beach\/contact\/\">Get Care Now<\/a><a class=\"h5tel\" href=\"tel:7573555080\">(757) 355-5080<\/a><\/div>\n <\/div>\n <div class=\"h5card\">\n  <h3>At a glance<\/h3>\n  <dl>\n   <div><dt>Who this page is for<\/dt><dd>Virginia Beach families figuring out who pays for dementia care<\/dd><\/div>\n   <div><dt>The realistic answer<\/dt><dd>Usually three or four sources combined, not one<\/dd><\/div>\n   <div><dt>The Medicaid pathway<\/dt><dd>Virginia&#8217;s CCC Plus waiver &mdash; in-home care after LTSS screening<\/dd><\/div>\n   <div><dt>The veteran pathway<\/dt><dd>VA Aid &amp; Attendance net worth limit: $163,699 (2026)<\/dd><\/div>\n  <\/dl>\n  <hr>\n  <dl><div><dt>Credentials you can verify<\/dt><dd>Certified Provider &middot; Licensed in Tennessee &middot; Home Care Pulse Award &middot; LPN on Care Team<\/dd><\/div><\/dl>\n  <hr>\n  <a class=\"h5btn\" href=\"https:\/\/preferhome.com\/locations\/virginia-beach\/contact\/\">Talk it through with us<\/a>\n <\/div>\n<\/div><\/div><script>(function(){var c=document.querySelector('.h5card');if(!c)return;if(window.matchMedia('(prefers-reduced-motion: reduce)').matches)return;if(!window.matchMedia('(hover: hover)').matches)return;c.addEventListener('mousemove',function(e){var r=c.getBoundingClientRect();var x=(e.clientX-r.left)\/r.width-.5,y=(e.clientY-r.top)\/r.height-.5;c.style.transform='perspective(900px) rotateY('+(x*4).toFixed(2)+'deg) rotateX('+(-y*4).toFixed(2)+'deg) translateY(-2px)';});c.addEventListener('mouseleave',function(){c.style.transform='';});})();<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a4a6626 e-con-boxed e-flex e-con e-parent\" 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p{margin:0;color:#CFC9BE;line-height:1.65;max-width:640px;}\n.pb-btn{display:inline-flex;align-items:center;gap:9px;background:linear-gradient(92deg,#A4C422,#7B9218);color:#fff !important;font-family:'Raleway',sans-serif;font-weight:700;font-size:15.5px;padding:13px 22px;border-radius:8px;text-decoration:none;box-shadow:0 8px 24px rgba(164,196,34,.3);transition:transform .2s ease;white-space:nowrap;}\n.pb-btn:hover{transform:translateY(-2px);}\n.pb-paths3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}\n@media(max-width:900px){.pb-paths3{grid-template-columns:1fr;}}\n.pb-path{background:#fff;border:1px solid #E7E3DB;border-radius:16px;padding:24px 24px;box-shadow:0 4px 18px rgba(94,80,79,.07);}\n.pb-path .pb-pg{color:#746D62;background:#F0EDE6;border:none;}\n.pb-path h3{margin:0 0 8px;font-family:'Raleway',sans-serif;font-weight:700;font-size:17.5px;color:#3A3731;}\n.pb-path p{margin:0;font-size:13.5px;line-height:1.6;color:#746D62;}\n\/* versus *\/\n.pb-vs{position:relative;display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:stretch;}\n@media(max-width:800px){.pb-vs{grid-template-columns:1fr;}}\n.pb-vcol{background:#fff;border:1px solid #E7E3DB;border-radius:18px;padding:26px 28px;box-shadow:0 4px 18px rgba(94,80,79,.07);}\n.pb-vcol h3{margin:0 0 16px;font-family:'Raleway',sans-serif;font-weight:700;font-size:20px;color:#5E504F;text-align:center;}\n.pb-vcol ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;}\n.pb-vcol li{display:flex;justify-content:space-between;gap:14px;padding:12px 4px;border-top:1px solid #F0EDE6;font-size:15px;}\n.pb-vcol li b{font-family:'Raleway',sans-serif;font-weight:700;color:#746D62;font-size:13.5px;letter-spacing:.03em;text-transform:uppercase;align-self:center;}\n.pb-vcol li span{font-family:'Raleway',sans-serif;font-weight:700;color:#3A3731;}\n.pb-vwin{border:2px solid #A4C422;background:linear-gradient(180deg,#FDFEF8,#F6F8EF);box-shadow:0 12px 34px rgba(164,196,34,.18);}\n.pb-vwin h3{color:#7B9218;}\n.pb-vwin li span{color:#4F640B;}\n.pb-vbadge{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);z-index:2;width:56px;height:56px;display:flex;align-items:center;justify-content:center;background:#26221D;color:#C8E06B;font-family:'Raleway',sans-serif;font-weight:700;font-size:17px;border-radius:50%;box-shadow:0 8px 24px rgba(0,0,0,.3);border:3px solid #FBFAF7;}\n@media(max-width:800px){.pb-vbadge{display:none;}}\n\/* faq *\/\n.pb-faqs{columns:2;column-gap:22px;}\n@media(max-width:900px){.pb-faqs{columns:1;}}\n.pb-faq{break-inside:avoid;margin-bottom:16px;background:#fff;border:1px solid #E7E3DB;border-radius:14px;overflow:hidden;box-shadow:0 3px 14px rgba(94,80,79,.06);}\n.pb-faq summary{display:flex;align-items:center;gap:12px;cursor:pointer;list-style:none;padding:17px 20px;font-family:'Raleway',sans-serif;font-weight:700;font-size:16px;color:#3A3731;}\n.pb-faq summary::-webkit-details-marker{display:none;}\n.pb-faq summary span{flex:1;}\n.pb-faq summary em{flex:none;display:inline-flex;transition:transform .3s ease;}\n.pb-faq[open] summary{color:#7B9218;}\n.pb-faq[open] summary em{transform:rotate(45deg);}\n.pb-fb{padding:0 20px 18px;}\n.pb-fb p{margin:0;color:#746D62;line-height:1.7;font-size:14.5px;}\n<\/style><div class=\"pb\"><div class=\"pb-prog\"><i><\/i><\/div><div class=\"pb-shell\"><aside class=\"pb-rail\"><p>In this guide<\/p><a href=\"#pb-answers\" data-t=\"pb-answers\"><b>01<\/b><span>Who Pays for What<\/span><\/a><a href=\"#pb-who\" data-t=\"pb-who\"><b>02<\/b><span>The Funding Lanes<\/span><\/a><a href=\"#pb-home\" data-t=\"pb-home\"><b>03<\/b><span>Private Pay &amp; Respite<\/span><\/a><a href=\"#pb-process\" data-t=\"pb-process\"><b>04<\/b><span>Where to Start<\/span><\/a><a href=\"#pb-team\" data-t=\"pb-team\"><b>05<\/b><span>Our Local Team<\/span><\/a><a href=\"#pb-paths\" data-t=\"pb-paths\"><b>06<\/b><span>The Main Payers<\/span><\/a><a href=\"#pb-compare\" data-t=\"pb-compare\"><b>07<\/b><span>CCC Plus Screening<\/span><\/a><a href=\"#pb-faq\" data-t=\"pb-faq\"><b>08<\/b><span>Questions Families Ask<\/span><\/a><div class=\"pb-railcta\"><p>Questions right now?<\/p><a href=\"tel:7573555080\">(757) 355-5080<\/a><\/div><\/aside><div class=\"pb-main\"><section class=\"pb-anchor\" id=\"pb-answers\"><div class=\"pb-shead pb-rv\"><span class=\"pb-eyebrow\">Plain language, before the assumption stalls you<\/span><h2 class=\"pb-h2\">Why No Single Payer Covers Dementia Care<\/h2><p class=\"pb-sub\">Dementia care is mostly custodial &mdash; supervision, cueing through a routine, help remembering to eat or shower. That&#8217;s exactly what health insurance was never built to cover. Here is what each payer actually answers.<\/p><\/div><div class=\"pb-lrow pb-rv\" style=\"transition-delay:0ms\">\n <span class=\"pb-ln\">Q1<\/span>\n <div class=\"pb-lq\"><h3>What does Medicare actually cover?<\/h3><p>Doctor visits, inpatient hospital care, limited home health, hospice, and durable medical equipment, per Medicare.gov &mdash; not the ongoing day-to-day supervision that is the bulk of what memory care requires.<\/p><\/div>\n <ul class=\"pb-ll\"><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>Covers: medical care, limited home health, hospice<\/span><\/li><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>Doesn&#8217;t cover: ongoing custodial supervision<\/span><\/li><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>Private health insurance rarely closes the gap either<\/span><\/li><\/ul><\/div><div class=\"pb-lrow pb-rv\" style=\"transition-delay:70ms\">\n <span class=\"pb-ln\">Q2<\/span>\n <div class=\"pb-lq\"><h3>What is Virginia&#8217;s Medicaid pathway?<\/h3><p>Commonwealth Coordinated Care Plus (CCC Plus) funds in-home custodial support for people who would otherwise need nursing facility care &mdash; tied to a level-of-care screening, not automatic enrollment. It serves over 260,000 Virginians.<\/p><\/div>\n <ul class=\"pb-ll\"><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>Personal care and daily-living support at home<\/span><\/li><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>Two-part eligibility: medical need + financial need<\/span><\/li><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>Starts with an LTSS screening through your local DSS<\/span><\/li><\/ul><\/div><div class=\"pb-lrow pb-rv\" style=\"transition-delay:140ms\">\n <span class=\"pb-ln\">Q3<\/span>\n <div class=\"pb-lq\"><h3>What about VA Aid and Attendance?<\/h3><p>An added monthly benefit on top of a VA pension for wartime veterans or surviving spouses who need daily assistance, under the 2026 net worth limit of $163,699 &mdash; a concrete screening threshold before you start an application.<\/p><\/div>\n <ul class=\"pb-ll\"><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>File VA Form 21P-527EZ plus 21-2680<\/span><\/li><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>Benefits are retroactive to the filing date<\/span><\/li><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>Surviving spouses can apply too<\/span><\/li><\/ul><\/div><div class=\"pb-lrow pb-rv\" style=\"transition-delay:210ms\">\n <span class=\"pb-ln\">Q4<\/span>\n <div class=\"pb-lq\"><h3>How do families actually combine these?<\/h3><p>Most families layer two or three payers, starting with private pay and adding benefit programs as eligibility clears &mdash; sometimes drawing on life-insurance cash value, retirement distributions, or home equity to bridge the gap.<\/p><\/div>\n <ul class=\"pb-ll\"><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>SSI 2026: $994\/individual &mdash; a supplement, not a plan<\/span><\/li><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>LTC insurance pays per policy after the elimination period<\/span><\/li><li><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 23 22\" fill=\"none\"><path d=\"M22.5063 0.191225C20.616 1.31814 18.4795 2.93148 16.4706 4.75089C14.8516 6.21755 13.1248 7.98498 11.5256 9.81182C10.4223 11.0743 9.23276 12.5428 8.15823 13.9705C7.78448 14.468 6.81776 15.801 6.51409 16.241C6.35776 16.4675 6.27151 16.577 6.25354 16.5715C6.23917 16.5678 4.87175 15.7732 3.21682 14.8078L0.207058 13.0496L0.138777 13.1295C0.10284 13.174 0.0633083 13.2223 0.0543239 13.239C0.0381521 13.2687 0.293308 13.5769 6.79979 21.3725L7.32268 22H7.39456H7.46643L7.87432 21.159C9.88862 17.017 11.867 13.6066 14.1113 10.4059C16.5856 6.88034 19.3869 3.63325 22.5386 0.642365C22.7632 0.428862 22.9465 0.248777 22.9465 0.241352C22.9465 0.232069 22.8225 0.050127 22.7992 0.0259933C22.7956 0.0241356 22.6644 0.0983982 22.5063 0.191225Z\" fill=\"#A4C422\"\/><\/svg><span>Private pay bridges while applications clear<\/span><\/li><\/ul><\/div><\/section><section class=\"pb-anchor\" id=\"pb-who\"><div class=\"pb-shead pb-rv\"><span class=\"pb-eyebrow\">Real funding lanes, not wishful thinking<\/span><h2 class=\"pb-h2\">The Three Funding Lanes Virginia Beach Families Use<\/h2><\/div><div class=\"pb-prow pb-rv\">\n <span class=\"pb-pimg\"><img decoding=\"async\" src=\"https:\/\/preferhome.com\/locations\/virginia-beach\/wp-content\/uploads\/sites\/37\/2026\/07\/pcah-2025-images-227-scaled-1.jpg\" alt=\"\" loading=\"lazy\"><i>01<\/i><\/span>\n <div class=\"pb-ptxt\"><h3>The CCC Plus Lane<\/h3><p>For Virginians meeting Medicaid income and asset limits who need nursing-facility level of care: request an LTSS screening through the Virginia Beach Department of Social Services, and the financial eligibility application runs in parallel. Once both clear, waiver services can begin through an authorized provider &mdash; including our caregivers.<\/p><\/div><\/div><div class=\"pb-prow pb-flip pb-rv\">\n <span class=\"pb-pimg\"><img decoding=\"async\" src=\"https:\/\/preferhome.com\/locations\/virginia-beach\/wp-content\/uploads\/sites\/37\/2026\/07\/pcah-2025-images-212-scaled-1.jpg\" alt=\"\" loading=\"lazy\"><i>02<\/i><\/span>\n <div class=\"pb-ptxt\"><h3>The Veteran Lane<\/h3><p>Confirm wartime service dates, gather the DD-214, complete VA Form 21P-527EZ for the pension and 21-2680 with a physician&#8217;s statement for Aid &amp; Attendance, then track the claim on VA.gov. Benefits are retroactive to the filing date when approved.<\/p><\/div><\/div><div class=\"pb-prow pb-rv\">\n <span class=\"pb-pimg\"><img decoding=\"async\" src=\"https:\/\/preferhome.com\/locations\/virginia-beach\/wp-content\/uploads\/sites\/37\/2026\/07\/pcah-2025-images-156-scaled-1.jpg\" alt=\"\" loading=\"lazy\"><i>03<\/i><\/span>\n <div class=\"pb-ptxt\"><h3>The Private Bridge<\/h3><p>Private pay covers any setting and any hours with no eligibility test &mdash; sustainability is the only limit. Families tap savings, retirement accounts, life-insurance cash value, and home equity, with a financial advisor familiar with elder care helping evaluate what makes sense before other options run out.<\/p><\/div><\/div><\/section><section class=\"pb-anchor\" id=\"pb-home\"><div class=\"pb-shead pb-rv\"><span class=\"pb-eyebrow\">The scale of it<\/span><h2 class=\"pb-h2\">Private Pay, Insurance Claims, and Caregiver Respite<\/h2><\/div><div class=\"pb-statwrap\">\n   <div class=\"pb-bigstat pb-rv\"><b>260K+<\/b><i>individuals statewide are served by Virginia&#8217;s CCC Plus program, per Virginia DMAS &mdash; Medicaid-funded long-term support is a major active pathway here, not a fringe option<\/i>\n    <p>Review any long-term care policy for elimination period, daily benefit, and home-care coverage &mdash; and let us file the claim. Rates and program structure for CCC Plus change annually (SFY2027 rates take effect July 1, 2026), so confirm current terms with Virginia DMAS before applying.<\/p><\/div>\n   <div class=\"pb-hcard pb-rv\"><h3>Respite Help Worth Claiming<\/h3><p>Virginia caregivers may apply for up to $400 in reimbursement under the Virginia Lifespan Respite Voucher Program through DARS &mdash; offsetting temporary relief care so a family caregiver can rest, travel, or handle other responsibilities.<\/p><\/div>\n   <div class=\"pb-hcard pb-rv\" style=\"transition-delay:90ms\"><h3>Running Out of Money Has a Path Too<\/h3><p>Families who exhaust funds often shift toward Medicaid &mdash; but eligibility depends on prior asset transfers and a look-back review, so start the DSS conversation before funds run out rather than after. Spousal impoverishment protections and elder-law guidance matter here.<\/p><\/div>\n  <\/div><\/section><style>.pb-mos{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:18px;margin:8px 0 0;}@media(max-width:800px){.pb-mos{grid-template-columns:1fr;}}.pb-mos span{display:block;height:230px;border-radius:16px;overflow:hidden;box-shadow:0 10px 28px rgba(94,80,79,.16);}.pb-mos img{width:100%;height:100%;object-fit:cover;object-position:center 25%;display:block;transition:transform .6s ease;}.pb-mos span:hover img{transform:scale(1.05);}<\/style><div class=\"pb-mos\"><span><img decoding=\"async\" src=\"https:\/\/preferhome.com\/locations\/virginia-beach\/wp-content\/uploads\/sites\/37\/2026\/07\/pcah-2025-images-266-scaled-1.jpg\" alt=\"\" loading=\"lazy\"><\/span><span><img decoding=\"async\" src=\"https:\/\/preferhome.com\/locations\/virginia-beach\/wp-content\/uploads\/sites\/37\/2026\/07\/pcah-2025-images-231-scaled-1.jpg\" alt=\"\" loading=\"lazy\"><\/span><span><img decoding=\"async\" src=\"https:\/\/preferhome.com\/locations\/virginia-beach\/wp-content\/uploads\/sites\/37\/2026\/07\/pcah-2025-images-178-scaled-1.jpg\" alt=\"\" loading=\"lazy\"><\/span><\/div><div style=\"height:56px\"><\/div><section class=\"pb-anchor\" id=\"pb-process\"><div class=\"pb-shead pb-rv\"><span class=\"pb-eyebrow\">A screening sequence, in order<\/span><h2 class=\"pb-h2\">Where Virginia Beach Families Start<\/h2><p class=\"pb-sub\">Paying for dementia care isn&#8217;t a one-call task &mdash; it&#8217;s a screening sequence, a benefits review, and an in-home care conversation, roughly in that order.<\/p><\/div><div class=\"pb-steps\"><div class=\"pb-st pb-rv\" style=\"transition-delay:0ms\"><span class=\"pb-stn\">1<\/span>\n <h4>Call Senior Services First<\/h4><p>Senior Services of Southeastern Virginia &mdash; the Area Agency on Aging for Virginia Beach &mdash; offers benefits counseling at 757-461-9481.<\/p><\/div><div class=\"pb-st pb-rv\" style=\"transition-delay:80ms\"><span class=\"pb-stn\">2<\/span>\n <h4>Request the LTSS Screening<\/h4><p>Through the Virginia Beach Department of Social Services, if in-home Medicaid supports may apply &mdash; medical and financial reviews run in parallel.<\/p><\/div><div class=\"pb-st pb-rv\" style=\"transition-delay:160ms\"><span class=\"pb-stn\">3<\/span>\n <h4>Screen the Veteran Lane<\/h4><p>Pull the DD-214 and medical documentation if VA Aid &amp; Attendance is a possibility &mdash; and check the current net worth limit first.<\/p><\/div><div class=\"pb-st pb-rv\" style=\"transition-delay:240ms\"><span class=\"pb-stn\">4<\/span>\n <h4>Review Policies and Respite<\/h4><p>Check LTC policy language for elimination period and home-care coverage, and apply for the DARS Lifespan Respite Voucher if caregiver relief is needed.<\/p><\/div><div class=\"pb-st pb-rv\" style=\"transition-delay:320ms\"><span class=\"pb-stn\">5<\/span>\n <h4>Map Hours and Real Cost<\/h4><p>An in-home consultation maps hours, personal assistance needs, and realistic monthly cost &mdash; before any big commitment.<\/p><\/div><\/div><\/section><section class=\"pb-anchor\" id=\"pb-team\"><div class=\"pb-shead pb-rv\"><span class=\"pb-eyebrow\">Walking beside you<\/span><h2 class=\"pb-h2\">How Our Local Team Supports Paying-for-Care Decisions<\/h2><\/div><div class=\"pb-team\">\n   <div class=\"pb-tcard pb-rv\"><h4>Contracted Directly With the VA<\/h4><p>Virginia Beach and the broader Hampton Roads region have one of the highest concentrations of retired veterans in the country &mdash; and Preferred Care at Home of Virginia Beach is contracted directly with the VA, so cases can be staffed quickly once a benefit is approved.<\/p><\/div>\n   <div class=\"pb-tcard pb-rv\" style=\"transition-delay:80ms\"><h4>We File the LTC Claims<\/h4><p>We help families file Long-Term Care insurance claims directly, removing a paperwork burden most families weren&#8217;t expecting to carry along with everything else.<\/p><\/div>\n   <div class=\"pb-tcard pb-rv\" style=\"transition-delay:160ms\"><h4>We Know the Local Paths<\/h4><p>And we know the local paths: Senior Services of Southeastern Virginia (757-461-9481) for benefits counseling, the Virginia Beach DSS for LTSS screenings, DARS for the Lifespan Respite Voucher, and the Eldercare Locator at 1-800-677-1116.<\/p><\/div>\n  <\/div><\/section><section class=\"pb-anchor\" id=\"pb-paths\"><div class=\"pb-shead pb-rv\"><span class=\"pb-eyebrow\">The payers, decoded<\/span><h2 class=\"pb-h2\">The Main Payers, Compared<\/h2><\/div><div class=\"pb-pathhero pb-rv\"><span class=\"pb-flag\">Most families combine three or four<\/span>\n <div><span class=\"pb-pg\">Medicare<\/span><h3>Acute Medical, Not Custodial<\/h3><p>Doctor visits, inpatient care, limited home health, hospice, and equipment &mdash; never ongoing custodial supervision at home or in memory care facilities.<\/p><\/div>\n <a class=\"pb-btn\" href=\"https:\/\/preferhome.com\/locations\/virginia-beach\/contact\/\">Ask about coverage mapping<\/a><\/div><div class=\"pb-paths3\"><div class=\"pb-path pb-rv\" style=\"transition-delay:0ms\"><span class=\"pb-pg\">CCC Plus<\/span><h3>Virginia&#8217;s In-Home Waiver<\/h3><p>In-home long-term supports for people who would otherwise need facility care &mdash; for applicants who clear both the LTSS level-of-care screening and Medicaid financial limits.<\/p><\/div><div class=\"pb-path pb-rv\" style=\"transition-delay:80ms\"><span class=\"pb-pg\">VA Aid &amp; Attendance<\/span><h3>For Wartime Veterans &amp; Spouses<\/h3><p>A monthly benefit added to the pension for those needing daily assistance, under the $163,699 net worth limit &mdash; often covering bathing, dressing, and safety supervision.<\/p><\/div><div class=\"pb-path pb-rv\" style=\"transition-delay:160ms\"><span class=\"pb-pg\">LTC Insurance<\/span><h3>&amp; Private Pay<\/h3><p>LTC policies pay per policy terms once the elimination period ends &mdash; if purchased before diagnosis. SSI adds $994\/month at most. Private pay covers anything, immediately, and usually bridges to benefits.<\/p><\/div><\/div><\/section><section class=\"pb-anchor\" id=\"pb-compare\"><div class=\"pb-shead pb-rv\"><span class=\"pb-eyebrow\">Two parallel tracks<\/span><h2 class=\"pb-h2\">The CCC Plus Screening, Step by Step<\/h2><p class=\"pb-sub\">Eligibility has two parts &mdash; medical need and financial need &mdash; and both must clear before waiver services begin. Here is how the two tracks run.<\/p><\/div><div class=\"pb-vs pb-rv\">\n <div class=\"pb-vcol\"><h3>Medical Track (LTSS)<\/h3>\n  <ul><li><b>Who starts it<\/b><span>You, via Virginia Beach DSS<\/span><\/li><li><b>What&#8217;s reviewed<\/b><span>Nursing-facility level of care<\/span><\/li>\n      <li><b>Who assesses<\/b><span>Community screening team<\/span><\/li><li><b>Then<\/b><span>Level-of-care determination<\/span><\/li><\/ul><\/div>\n <span class=\"pb-vbadge\">VS<\/span>\n <div class=\"pb-vcol pb-vwin\"><h3>Financial Track (Medicaid)<\/h3>\n  <ul><li><b>Who starts it<\/b><span>Runs in parallel with screening<\/span><\/li><li><b>What&#8217;s reviewed<\/b><span>Income and asset limits<\/span><\/li>\n      <li><b>Who assesses<\/b><span>Medicaid eligibility workers<\/span><\/li><li><b>Then<\/b><span>Waiver services can begin<\/span><\/li><\/ul><\/div>\n<\/div><\/section><section class=\"pb-anchor\" id=\"pb-faq\"><div class=\"pb-shead pb-rv\"><span class=\"pb-eyebrow\">Straight answers<\/span><h2 class=\"pb-h2\">Paying-for-Care Questions Virginia Beach Families Ask<\/h2><\/div><div class=\"pb-faqs\"><details class=\"pb-faq pb-rv\" open><summary><span>Will Medicare pay for home health care for dementia patients?<\/span>\n <em><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"#7B9218\" stroke-width=\"2.4\" stroke-linecap=\"round\"\/><\/svg><\/em><\/summary>\n <div class=\"pb-fb\"><p>Medicare pays for limited, medically necessary home health visits tied to skilled therapy or nursing needs certified by a physician &mdash; not day-to-day help with bathing, dressing, or safety.<br><br>Medicare was designed for acute medical needs, not Alzheimer&#8217;s supervision &mdash; families still need a separate plan, usually private pay or Medicaid services.<\/p><\/div><\/details><details class=\"pb-faq pb-rv\"><summary><span>Can Medicaid pay for dementia care at home in Virginia?<\/span>\n <em><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"#7B9218\" stroke-width=\"2.4\" stroke-linecap=\"round\"\/><\/svg><\/em><\/summary>\n <div class=\"pb-fb\"><p>Yes, through Virginia&#8217;s CCC Plus waiver, which funds in-home supports for people who would otherwise need nursing facility care.<br><br>Eligibility starts with an LTSS screening through the local Department of Social Services, followed by a separate Medicaid financial review &mdash; we can talk through what documentation the screening typically requires.<\/p><\/div><\/details><details class=\"pb-faq pb-rv\"><summary><span>What is VA Aid and Attendance, and who should apply?<\/span>\n <em><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"#7B9218\" stroke-width=\"2.4\" stroke-linecap=\"round\"\/><\/svg><\/em><\/summary>\n <div class=\"pb-fb\"><p>A monthly benefit added to a veteran&#8217;s pension for wartime veterans or surviving spouses who need daily help. The 2026 net worth limit is $163,699; applicants file VA Form 21P-527EZ along with Form 21-2680 for the physician&#8217;s statement.<br><br>We&#8217;re contracted directly with the VA and can often staff approved cases quickly once a benefit clears.<\/p><\/div><\/details><details class=\"pb-faq pb-rv\"><summary><span>How do people afford to pay for memory care?<\/span>\n <em><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"#7B9218\" stroke-width=\"2.4\" stroke-linecap=\"round\"\/><\/svg><\/em><\/summary>\n <div class=\"pb-fb\"><p>Most families combine private pay with one or two benefit programs: CCC Plus, VA Aid and Attendance for eligible veterans, or an LTC policy once its elimination period passes.<br><br>Some families tap retirement accounts, Social Security benefits, or personal property to cover costs until financial assistance clears.<\/p><\/div><\/details><details class=\"pb-faq pb-rv\"><summary><span>Is there financial help for caregivers who need a break?<\/span>\n <em><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"#7B9218\" stroke-width=\"2.4\" stroke-linecap=\"round\"\/><\/svg><\/em><\/summary>\n <div class=\"pb-fb\"><p>Virginia caregivers may apply for up to $400 in reimbursement under the Virginia Lifespan Respite Voucher Program through DARS &mdash; offsetting temporary relief care so a family caregiver can rest.<br><br>Our respite care services can fill that same gap on an ongoing or as-needed basis.<\/p><\/div><\/details><details class=\"pb-faq pb-rv\"><summary><span>What if my loved one runs out of money after moving into memory care?<\/span>\n <em><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"#7B9218\" stroke-width=\"2.4\" stroke-linecap=\"round\"\/><\/svg><\/em><\/summary>\n <div class=\"pb-fb\"><p>Families in this position often shift toward Medicaid, but eligibility depends on prior asset transfers and a look-back review &mdash; start the DSS conversation before funds run out rather than after. We can help families think through in-home alternatives while that process plays out.<\/p><\/div><\/details><details class=\"pb-faq pb-rv\"><summary><span>How do I protect my assets when my spouse has dementia?<\/span>\n <em><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"#7B9218\" stroke-width=\"2.4\" stroke-linecap=\"round\"\/><\/svg><\/em><\/summary>\n <div class=\"pb-fb\"><p>Asset protection involves Medicaid planning rules, spousal impoverishment protections, and sometimes irrevocable trusts &mdash; all with strict timing requirements, where a mistake can trigger a penalty period.<br><br>This is best answered by an elder-law attorney or financial professional familiar with Virginia&#8217;s rules; we can share names of local resources, but we don&#8217;t offer legal advice ourselves.<\/p><\/div><\/details><details class=\"pb-faq pb-rv\"><summary><span>Where do Virginia Beach families actually start?<\/span>\n <em><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M12 5v14M5 12h14\" stroke=\"#7B9218\" stroke-width=\"2.4\" stroke-linecap=\"round\"\/><\/svg><\/em><\/summary>\n <div class=\"pb-fb\"><p>With a call, not a payment: Senior Services of Southeastern Virginia at 757-461-9481 for benefits counseling, then the LTSS screening through DSS, then the veteran and insurance reviews.<br><br>The Eldercare Locator at 1-800-677-1116 also routes callers to the closest Area Agency on Aging anywhere in the country.<\/p><\/div><\/details><\/div><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Will Medicare pay for home health care for dementia patients?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Medicare pays for limited, medically necessary home health visits tied to skilled therapy or nursing needs, but does not cover ongoing custodial supervision for dementia patients.\"}}, {\"@type\": \"Question\", \"name\": \"Can Medicaid pay for dementia care at home in Virginia instead of a facility?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, through Virginia's CCC Plus waiver, which funds in-home supports for people who would otherwise need nursing facility care. 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class=\"elementor-heading-title elementor-size-default\">A Screening Sequence, Not a One-Call Task<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf50e5c elementor-widget elementor-widget-text-editor\" data-id=\"bf50e5c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"color:#FFFFFF;text-align:center;\">Mapping payers is only half the plan.<br>Start a care conversation with our Virginia Beach team &mdash; and with Senior Services of Southeastern Virginia at 757-461-9481 for benefits counseling.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46b5ee6 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"46b5ee6\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" 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