I was able to get my neighbor the kind of help you sugget, but there were lots of problems partly because home health ws staffed by welfare-to work personnel with poor work ethics. Even still, it took several neighbors and friends to stay on top of her needs. In the end, her public services cost about $600/mo to stay at home, as she wanted, versus $3000/mo for a nursing home she did not want.Good lord, she must not have very good health insurance. I have Tricare Prime, through the military and all I pay for co-pay is $12.00. I sure am luck AND thankful to have Tricare!
If I have to go to the hospital, it only cost me $11 dollars a day, and that covers all tests, food, room, everything. They can't charge me more then $11 dollars a day! 
An ambulance call is over $200 dollars but all I would have to pay is $20.00. Nice, eh?
She didn't pay. That's what I estimated her public services cost the state. Yours cost the same, maybe you have not thought about it that way. The CATO website says that our expenditures on anti poverty programs this year is $12,000 for every American. Of course, you military types are the most expensive because you can retire at 40. :) When people confuse their copay with actual cost we have a big problem.