Paying for assisted living in Virginia
Most families in Virginia start by paying for assisted living out of pocket. People commonly draw on retirement savings, Social Security, pensions, the proceeds from selling a home, long-term care insurance, or help from family. Costs vary quite a bit depending on where in the state you look and the level of care a resident needs, so it pays to compare communities. You can see current pricing for specific communities in the pricing tables below.
Because private pay can stretch budgets quickly, it helps to understand what public programs may and may not cover before you commit.
Does Virginia Medicaid (CCC Plus Waiver) cover assisted living in Virginia?
Virginia Medicaid does not pay the room-and-board portion of an assisted living stay. By law, Medicaid can only help with care services, never the rent and meals.
A few things to know:
- The Commonwealth Coordinated Care Plus (CCC Plus) Waiver is Virginia's main long-term-care Medicaid waiver. It covers home- and community-based services such as personal care and respite, but it is generally used to keep people in their own home rather than to pay an assisted living facility directly.
- To help cover assisted living room and board, low-income residents typically rely on the Auxiliary Grant program. It is a separate income supplement (not Medicaid) for people receiving SSI or who are aged, blind, or disabled and living in a licensed assisted living facility or approved adult foster home.
- Eligibility for Medicaid long-term care is based on age or disability, income, assets, and a functional/medical assessment. The Auxiliary Grant has its own application.
To apply for Medicaid, use Virginia's CommonHelp portal or your local Department of Social Services. Qualifying for one program does not automatically qualify you for the other, so apply for each separately.
Does Medicare cover assisted living in Virginia?
No. Medicare does not pay for assisted living room and board or for custodial (personal) care, which is the day-to-day help that assisted living provides.
Medicare may still cover related medical needs, such as a short, medically necessary stay in a skilled nursing facility after a qualifying hospital stay, doctor visits, hospital care, and some home health services. For free, unbiased help understanding what Medicare covers, contact Virginia's SHIP program, the Virginia Insurance Counseling and Assistance Program (VICAP), through your local Area Agency on Aging.







