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Expect to pay more for a nursing home bed in Florida compared with other states, according to a recent study, but home health care in the state is more affordable.

When it comes to the out-of-pocket price tag for these services in Naples and Fort Myers, the numbers may surprise you.

The median cost for home health care in Florida is $45,760 a year, while it is $49,192 in Naples and Fort Myers, according to Genworth Financial. The Fortune 500 company conducts cost surveys annually to help people realize what they may need to pay, based on where they live.

The median rate of home health care for 44 hours a week in Southwest Florida is the same as the national rate, according to Genworth.

In addition, home-based care costs more in 29 other states compared with Naples and Fort Myers, the analysis found

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A survey of more than 47,000 long-term care providers nationwide was done in early summer by a division of Genworth, CareScout, which offers plan care development for families. The annual survey began in 2004.

The picture is not so rosy when it comes to private nursing home room costs in Southwest Florida compared with elsewhere around the country.

Expect to pay $136,875 a year in Naples, while

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