FAQ

Helpful answers for every stage of your journey

Frequently Asked Questions

Please click on any question below to expand the answer. If you can’t find an answer you’re looking for, please call our Sales Team at (239) 329-0077 for support.

Costs and Fees

What does the Monthly Maintenance Fee include?

Quite a lot! All utilities (including cable TV but not phone, internet, or EV charging), weekly housekeeping, lawn maintenance, pest control, household maintenance, and boat dockage (if applicable) are covered. Many programs and activities are included as well, though golf, concerts, and select special events carry an additional charge.

Does the Monthly Maintenance Fee increase over time?
It may be adjusted annually. Over the past 10 years, the average annual increase has been approximately 3.47% (calculated from July 2026).
How does pricing work for couples?

There will be an additional amount added to your entrance fee and to your ongoing monthly fees. Our Floorplan and Pricing Guide details the exact amount of these Second Person charges – which will vary by residence and by contract type.

Are meals included?

Dining is not bundled into your monthly fee — which means it’s always a choice, never an obligation. And every time you dine on campus, you automatically receive a 15% discount just by charging it to your account.

Care and Transitions

Will my monthly fee change if I move to assisted living?
On a Lifecare A or B contract, your Monthly Maintenance Fee stays the same. You will simply be required to purchase three meals per day in assisted living.
Do I still need health insurance?

Yes — you should maintain Medicare Parts A and B along with supplemental insurance. Our on-site healthcare services work with your existing coverage. Our team will be happy to help you with billing questions and review your coverage.

How does long-term care insurance work at Shell Point?

Every policy is different, but your Sales Counselor can review your specific details with our team of experts to help determine what coverage may apply in different scenarios.

Finances and Ownership

Do I own my residence?
Living at Shell Point works differently from traditional real estate. Rather than purchasing property, you’re entering into a Lifecare contract that gives you the right to live in your home and access our full continuum of care. There’s no real estate equity to pass along — but your family will never be responsible for the costs of your assisted living or skilled nursing care.
Do I need to turn over my assets when I move in?

Not at all. Beyond the Entrance Fee and Monthly Maintenance Fee, your assets remain entirely your own.

What happens if I outlive my financial resources?
We have a formal subsidy program and a benevolent fund — the Friendship Fund — to support those who, through no fault of their own, can no longer afford to live here. Restrictions may apply.
Can I keep a home somewhere else?
Absolutely. About 30% of our residents live here seasonally, most often from October through May. Keep in mind that your Monthly Maintenance Fee applies year-round, regardless of how much time you spend on campus.