I would use the time to get my finances in order - which essentially means moving as many of my assets as possible out of reach of the predatory nursing home and memory care industry.

I would try and find a way transfer all my assets to my children and/or spouse, and ensure they would never list me as a dependent anywhere. I'm not clear if the nursing home can take your spouse's assets or not. If so we would need to file for divorce to protect her assets.

I would essentially go broke and let medicade pay for my care. Sure they don't put you in in the "finest" facility, but pretty soon you'll be far enough gone it won't matter. The expensive places are just widow dressing anyway. You are treated the same everywhere.