Quick Read A $880,000 CCRC entrance fee functions as prepaid long-term care insurance, not a real estate purchase, shifting future care cost risk away from the couple's portfolio. Aging in place appears cheaper at $5,800 monthly, but one spouse needing memory care for six years can exceed the entire entrance fee with nothing refundable to the estate. Before signing, couples must verify the refund is contractually 80%-plus, confirm the CCRC's audited financials are sound, and clarify exactly which ca ...