Some of the more affordable alternative long-term care choices for the elderly who have no long-term health care coverage and is not eligible for Medicaid include:
Community services- This includes adult day care, senior centers, friendly visitor programs, and more.
Accessory Dwelling Units – If the family agrees, add a separate living unit, which can be attached to the house or just on the same lot. You can even just convert the basement or another floor, thus ensuring privacy and independence while being close enough to ask for help if needed.
Group Living Arrangements – This can come in the form of board and care homes, which usually affordable and covers not just the rent but meals and other necessary services. This can also come in the form of assisted living facilities and retirement communities.
Subsidized senior housing – Look up Federal and state programs that could help subsidize the rent for senior housing. In some cases, these housing facilities even include basic services.