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With your mother at stage 6 Alzheimers and your step dad suffering from PD and dementia, I think it's a ludicrous idea to present them with cost comparisons for in home care vs. managed care!!!!!! That should not be a factor in the decision making process here. The only thing that matters is their safety at this point, not even what they 'want' but what they need. Not wanting to live with 'other people' isn't even a rational statement, and again, expecting rational statements from people suffering advanced dementia/ALZ conditions is unrealistic. Keep their care needs uppermost in your mind and go from there.
That said, it's impossible to prevent falls ANYWHERE they live, even in Memory Care or Skilled Nursing. Managed care homes, however, are set up and designed specifically FOR safety vs. a private home which is not. They also have specially designed showers to accommodate wheelchairs if/when they reach that place of need, which the house probably does not. Many things are in place in managed care that do not exist at home, including teams of caregivers working 24/7.
In a MC ALF or SNF, you will also have the beauty of doctors coming in to visit the folks vs. having to get them into cars and driving them to appointments. That's a big bonus. 3 hot meals a day & 3 snacks.............all sorts of things. I think it would behoove everyone to look into it right away.
Wishing you the best of luck getting your folks set up with the best care and safest environment asap.
Sometimes this is just the way it goes. My folks are gone now. I’ve quit beating myself up as to what I shoulda coulda done better. I did as much as they would allow me to do.
If no one is their PoA then there is a very different outcome for them. So, please let us know more info. I realize it is stressful -- many on this forum have walked in your shoes and will have good insights.