Me neither...but I would indeed be concerned about how they tally the amounts - undoubtedly just like hospitals, racking up $40.00 for a pair of disposable bedroom slippers, etc., etc.
My sibs and I are facing this with my parents right now - altho we're not quite at the point where they're institutionalized yet....be it either the current caregivers or "the home", they'll run out of funds - except for their home - in around three years.
You are correct but it's a different issue.
If you want the home talk to a lawyer now. I think if you take legal possession 3 years before they enter a NH they can not take the home. That is how it is in Arkansas. But you have to own the house legally. Your parents of coarse can still live there.
You should make an appointment to talk to a financial advisor in the morning