That $3000/mo is bargain basement, AND it’s an INDEPENDENT situation; if you develop any medical needs requiring in-home care — especially after hours — you’re moving, whether you like it or not. And it won’t be $3000; it’ll be $5,000+ fees for every next level of elevated care.
Relatives found a development with individual town homes and on-call medical staff in the immediate neighborhood ready to provide various levels of care 24/7. There was a minimum Net Worth to move in, and they had to sign over all their assets to the company as the resource pool that would pay for it all. If there’s anything left at all, their kids will get it and go out for McDonald’s.
I was thinking about the ones in my area for healthy upper 60s folks.