Bobbi Hilton, 62 , is considering the purchase of a 8 -year long-term care policy. If nursing home costs average $8,560 per month in her area, how much could she have to pay out-of-pocket for 8 years without long-term care insurance? What can Bobbi do to reduce the cost of this coverage? The amount Bobbi would have to pay out-of-pocket for 8 years of nursing home costs without long-term care insurance is $ (Round to the nearest dollar.)