Hi Maryann,
(I'm Lynn. I post when I can. My Mom died 6 years ago from heart disease, but the real disease--the one that took her mind--was the onslaught of TIAs (tiny strokes causing dementia).
Although we were able to keep my Mom at home (we got her a separate apt in our apt building and got two aides), we did look into assisted living first. I never inquired about nursing home expenses, as she was pretty much able to manage, as long as there was assistance.
Here in my NYC neighborhood, there's a very lovely old hotel that was turned into a combined assisted living/nursing home. The architects managed to fully convert the building, yet still retain the striking 1920's "grandeur" of the lobby and old ballroom (now the residents' dining hall). I spoke with some of the residents and all seemed extremely happy there (well....as happy as you CAN be, when you suddenly need Assisted Living!!)
At the time, the cost for a room for my Mom in the Assisted Living section would have been $4,000 a month. So...you have found that the nursing homes are double this?
What we liked about the place was the fact that Mom could take advantage of the assisted living section (which involved trips to concerts, theater, etc) while she was able to. But, if she got worse, she could move to the nursing section (same building) and still have the same familiar environment. I think that Assisted Living homes that have this "switch-over" are real life-savers. They prevent the constant worry of that dreaded phone call from the building administrators, telling you it's time to find your mother a new place.....one that runs 24/7.
From my few visits to nursing homes here in New York (I did volunteer work in one), I decided that the move from our old family house into an assisted living situation would have been far less "shocking" for my Mom, who was still very much "with it", in many ways. And, with Mom's TIAs, there was no real timing anyone could give us on how long she might stay at each descending level. (Whatever the type of dementia--they all leave us carers in limbo. You just cannot "plan or plot" this illness.There is no way to time the decline.)
At any rate, it turned out that we got that apt. in our own building for Mom...so we never needed to make a choice. But, my own feeling is that my Mom would have done 100 percent better in Assisted Living--she was such an independent person. (SO independent, that, once she was in her new apt...our doorbells often rang. You'd open your door...and there would stand one of her aides...to say that my mother had insisted that she was just fine,and that, say, Sabrina should "go on home now, so you can enjoy being with your two children.!!!" LOL! And, Mom was so convincing that, in the beginning, they would both allow themselves to be escorted out!!!
Have you visited some Assisted Living places, yet? The location---how far away from your own home--will aso make such a difference, depending on how often you will visit. We wanted to be close enough so that if Mom phoned, feeling mentally or physically unstable in any way, we could just get a cab and go to her.
(The Medicare/Medicaid situation is insane, isn't it--being forced to spend down to poverty level. It cost such a huge amount just to keep Mom in this new apt (with aides) that in a couple of years we realized that we had had to spend half of her life savings. I'm so glad she was not aware enough by that time to see how she and my Dad's money had to be spent. And I was soooo glad that she'd taken her wonderful trip to China, just before she got ill!)
I feel so much empathy with everyone on this board going through all these similar situations. I remember not knowing WHERE to turn and having to do so much extensive research that I should have been awarded a Ph.D.! (...the "D' standing for "Dementia"!!!) Yes....extracting each bit of information I needed along the way was like falling down that "White Rabbit's hole straight into the world of "Jabberwocky"!!! Aaarrrggghhh!
I'm sure others here will have more specific info to answer your question. A lot has changed since the '90s, when I first wandered through the maze. Wish I could help you out more.
take care...and hello to those who know me (and to those who don't!)! Lynn :-)