We have it through AARP, which is a nonprofit organization. It is cheaper than the other plans that are for profit, obviously. Everybody's needs are different, of course. I'm glad we got a more expensive plan with AARP because my husband needed 3 weeks of intensive in patient rehab that was expensive even at the 80/20 rate. The 20% daily charge would have been around $140! Yikes!

It depends on indivudaly circumstances, of course. You may not have the same thing we had to face, which was a recovering spinal surgery patient needing additional intensive physical therapy since he could not even get down the stairs from the bedroom every day for meals! I was frantic, trying to care for a man who weighed 250 lbs (needing physical support) and I weighed 100 lbs less! Kind of a bad situation...