Some CCRC’s charge what is called a ‘buy-in fee’. This fee can be quite high and essentially holds a spot for the resident for the highest level of on-site nursing care. Because preference in the on-site long-term nursing facility goes to current residents, each facility must keep beds open for when their residents need them. Terms for the buy-in fee vary greatly between communities. Some are partially refundable at move-out if the resident leaves. Some facilities will charge a lower monthly fee if the resident pays a higher buy-in. Negotiating fees can be complex and it helps to have someone with you when signing any agreements to make sure all the details and costs are clear.