If you really need the services of a fulltime time nursing facility, substituting in-home care will usually cost more money. That is because you need to pay for fulltime staff, and still maintain your house. The house requires taxes, utilities, insurance, maintenance, transportation to medical appointments, etc. If you can sell the house and move into a nursing facility, you will usually save money. Of course, If you have a spouse who still lives in the house, it can make a difference.
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