A practical next step: write down the specific ADLs and health needs involved, then visit two or three options that match that level of care in person — tour at different times of day, ask to see a sample menu and activity calendar, and talk to current residents' families if possible.
At each visit, ask for an itemized cost breakdown, what would cause the rate to increase, what payment types they accept (private pay, long-term care insurance, Medicaid), and what happens if care needs increase later. This is general information, not personalized advice — a local Area Agency on Aging or a certified senior care advisor can help apply it to your specific situation.
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