My dad lives in an Assisted Living, and has an aide with him for 12 hours a day. The costs every month are getting so high, and we are running low on finances. I don't know how to keep up with everything, and he is having more and more episodes where he needs increased care. How do I deal with all of the costs while ensuring my dad has the right care he needs? None of us kids can take him in, and he has no place to go if we cannot afford the Assisted Living.
Memory Care or a Nursing Home can be quite expensive. As others have written, it is time to see if your Dad can qualify for Medicaid [which is different from Medicare]. If your Dad qualifies, Medicaid will pay the bill for nursing home care. Call your State Medicaid office to get the ball rolling.
Most likely he needs to be placed in higher level service, like NH, if he doesn't have the money to self pay, apply for Medicaid.
You shouldn't be paying for this in the first place, it is his responsibility.
Is he Medicaid-eligible? It sounds like he needs a higher level of care than AL, so maybe he needs a Nursing Home (NH)?