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How to Pay for Nursing Home Care. The cost of nursing home care in the U.S is oftentimes prohibitive and can range widely, from around $5,000 per month up to a whopping $25,000 per month. How much a nursing home charges depends on its geographic location, staffing levels, any specialty care offered and the facility's size and quality. A facility with a special wing for Alzheimer's and dementia residents, for example, may charge more for that special care.
Help from your state (Medicaid). If you qualify for Medicaid, you may be able to get help to pay for nursing home care costs. Not all nursing homes accept Medicaid payment. Check with the nursing home to see if it accepts people with Medicaid, and if it has a Medicaid bed available.ersonal resources. You can use your personal money and savings to pay for nursing home care. Some insurance companies let you use your life insurance policy to pay for long-term care.