We are about 4 months away from medicaid having to step in. I realize that her memory will get worse but I dread when she has to have a room mate. She has lived alone for the last 34 years (previous year in a nursing home and the 2 years before that at an Assisted Living quarters).
You'll have to explain what happened and why this move is necessary. Tell your loved one that you did everything possible to keep that private room for as long as you could, but the money ran out. If you need to bring the checkbook or receipts along, do so, but only if you have to. In my experience, our elders hate thinking that everything they worked for has gone for nursing home care. But it's a reality and occasionally they have to face that. Good luck. I sympathize.
Carol