actually, it is NOT true that Medicare never pays for assisted living.
i had a small assisted living in arizona up to two years ago and i can assure you that in arizona -- and i believe in a number of other states also -- care home owners and big facilities could make contracts of agreement to accept Medicare residents for longterm care. In my five-bed home, i had three folks paid for by Medicare -- which is activated via the Arizona state Medicare partner, ALTEX. two of my folks stayed with me for 2 years and that other for three and a half years.
the drawback is that not all places will make such a contract -- Medicare pays at least a thousand a month less than private pay, which is a big loss in income for a small home. But there we are. they were great people and i loved them.
so, you should check more fully with your own state to find out if they do partner with Medicare to cover longterm care, because they might well do so.
Also, these days increasing numbers of states are beginning to put into action a payment to family caregivers, to help them stay home to care for a family member. sometimes that can make all the difference in keeping someone home. It's usually at least $1,000 monthly. Again, check with your state health system. Start with your local senior center and/or local Area Agency on Aging -- they have all the data.