@redheadsaregreat - fellow ginger, love the name. Sorry this is long, but my understanding of the current position where I live.
As I understand it , with care homes here, there is a headline price; the newly opened one in my town is £2300 per week.
You can book yourself in at that rate , plus extras for hairdressing etc. if you can prove you have 2 years worth of capital to pay for your place.
If you are subject to a care assessment, your contributions will be assessed based on your available funds. In Scotland if you have more than £32750 in savings/ house value, you will pay the £2300 less whatever the care assessment says you need for personal care, which is free in Scotland. It’s about £200. So you are then paying £2100, and the council pays the balance.
if you need nursing care, the council pays another £100 , so you pay £2000. The home will get your state pension so you end up paying £1900 or so per week.while the state pays about £100, and the council £300. Home will still get its £2300
But if you have zero savings above £32750,, the council pays whatever their agreed rate is - it’s about £850 per week. So in that case the home gets the £850 plus the £100 ( circa £950) or so state pension, for the very same type of room that the private funder pays £2300 per week for. Home gets the £950. Swallows the ‘loss’ or basically subsidises the funded residents.
It has recently been an issue locally as the NHS and council needed to buy space at several local care homes, for palliative care and dementia care to free up hospital beds, and that is the maximum they can pay.
All numbers are approximate by the way.
I am not in this field but had to do my research for a relative.