1. yeah..

medicaid only paid for avg semi private room rate, same for insurance, if he want a private room, he must pay difference out of pocket.

policy we own, from 2007, calls for $3500/month room rate at the time, with 5% anually adjusted inflation factor.

my case #1, the father went from a 1.4 mil estate to about 200k left when he passed away, 5 years, upscale private room.