For many families exploring senior living, one of the biggest questions is cost. You may be wondering, “How can we afford assisted living for my mom or dad?” At The Arbors at Battlefield Assisted Living & Memory Care in Chesapeake, Virginia, we understand that finances are a major part of this decision and you’re not alone in asking this question.

The good news is that many families find assisted living more affordable than they expected once they understand the available options.

Understanding the Cost of Assisted Living

Assisted living costs vary based on care needs, apartment style, and services provided. At The Arbors at Battlefield, monthly costs typically include:

• Private apartments

• Utilities and maintenance

• Chef-prepared meals and dining services

• Housekeeping and laundry

• Transportation for appointments and outings

• Personalized care and 24/7 staff support

• Social, wellness, and enrichment activities

When compared to the combined costs of living at home such as housing, food, transportation, and in-home care, assisted living in Chesapeake can be a cost-effective and safer alternative.

Common Ways Families Pay for Assisted Living

Retirement Income and Savings

Many residents use a combination of:

• Social Security benefits

• Pension income

• Personal savings or investments

Planning early allows families to stretch resources further and choose the level of care that best fits their needs.

Long-Term Care Insurance

If your loved one has long-term care insurance, their policy may help cover assisted living or memory care costs at The Arbors at Battlefield. Coverage varies, so reviewing policy details is an important step.

Veterans Benefits

Eligible veterans and surviving spouses may qualify for VA Aid & Attendance, a monthly benefit that can help offset the cost of assisted living or memory care in Chesapeake, VA. Many families are surprised to learn they qualify for this support.

Selling or Renting a Home

For many seniors, their home is their largest asset. Families may choose to:

• Sell the home to fund assisted living

• Rent the home to create ongoing monthly income

This approach can significantly help cover senior living expenses while reducing the stress of home maintenance.

Short-Term Bridge Financing

Bridge loans or short-term financing options may help families cover costs temporarily while waiting for benefits, home sales, or insurance payments to begin.

Medicare and Medicaid: What to Know

• Medicare does not cover assisted living costs, but it may cover certain medical services.

• Medicaid coverage for assisted living varies in Virginia. Some programs may assist with care services but typically do not cover room and board.

Our team at The Arbors at Battlefield can help explain general options and guide families toward helpful resources.

Planning Ahead Reduces Stress

Families who explore assisted living early often have more flexibility, more choices, and fewer financial surprises. Planning ahead allows time to:

• Compare assisted living and memory care options in Chesapeake

• Understand care needs and future planning

• Build a sustainable financial plan

Waiting until a crisis can limit options and increase emotional and financial strain.

Assisted Living Is an Investment in Quality of Life

While affordability matters, assisted living is also an investment in safety, dignity, and peace of mind. Residents at The Arbors at Battlefield Assisted Living & Memory Care benefit from personalized care, meaningful social connections, and a supportive environment designed to help them thrive.

We’re Here to Help You Navigate the Next Step

Understanding how to afford assisted living can feel overwhelming — but you don’t have to navigate it alone. Our experienced team is here to answer questions, explain costs, and help families explore options that work for them.

If you’re considering assisted living or memory care in Chesapeake, VA, we invite you to  Call Us at 757-573-9861 or Contact Us and learn more about how The Arbors at Battlefield can support your family.