My 90 year old mother moved in with me last fall. She was ambulatory and able to bathe, dress and feed herself at that point. She has progressively become more dependent and less able. Now she doesn't want to get out of bed. I work outside the home and do NOT see myself taking on this level of care. Is it time for a nursing home?
If Mom cannot afford caregivers, then that tells me that moving into Assisted Living, which is usually self-pay may not be an option. If Mom can budget the monthly rent, that would be great.
Otherwise see if Mom can qualify for Medicaid [which is different from Medicare]. That way she can move into a nursing home and Medicaid will pay for the whole thing. Each State is different regarding their programs, so check to see if by change there is a home health care program.
Does she own assets? Have a monthly income? It sounds like she cannot be left alone all day and that you need to work. Some other arrangements must be made. Have a needs assessment done for her (call your Area Agency on Aging OR your country's Human Services department). Once you have an assessment you can look into how best to meet her needs.
As I'm navigating the home care options, I'm finding that the private duty firms which often liberally use the term "home care" don't distinguish until you get into negotiations that their staff aren't qualified to provide home health care. That's not their function.