Hubby and I trying to keep 93 year old mother who has OCD and multiple health issues at her home. Any ideas?

So your Mom has a LTC policy that pays for HOME HEALTH CARE.  Does it also pays for care in a nursing home or assisted living facility?

In regards to the "$330 per day", I am talking about the cost of room & board (room & meals) in a nursing home for a 24 hour day.  Medications are provided by and billed to the resident by an Independent Pharmacy.   The nursing home room & board cost may increase or decrease depending on the resident's ability to perform Activities of Daily Living (ADLs, such as getting into & out of bed, toileting, dressing, feeding self, etc.) and whether the person has any behaviors that need to be monitored such as wandering or emotional outbursts.
According to the website, https://www.payingforseniorcare.com/longtermcare/costs.html#title6: the cost of room & board (room and meals in 24 hour day) cost $330/per day. 

This website also has information about home care and how much it cost and financial assistance for home care.

https://www.payingforseniorcare.com/medicaid-waivers/home-care.html#title1    
Eldercare Financial Assistance Locator
Over 400 programs provide financial assistance for elder care. Help comes from federal, state, and local governments, the VA, non-profits, private organizations, and as many as 50 other agencies.  The large number of sources and different and often conflicting qualification rules makes determining one's eligibility a challenge… By answering a few questions, we help you find the programs for which you or your loved one is currently eligible as well as those programs for which you might become eligible as your situation changes.

Why does "The VA and a local faith based community service look at what is left of the long term policy and think this is an asset so have turned her down for help."?? 

Is the "faith based community service" a "stand alone" Health & Wellness Ministry located in a church or synagogue coordinated by a Faith Community Nurse (AKA Parish Nurse or Synagogue Nurse) or is the service connected to a large medical center/hospital group or company which employs a Faith Community Nurse (AKA Parish Nurse or Synagogue Nurse) who has an office in a church or synagogue?

$10,000/per month is a lot to pay for Home Health Care.  However, it sounds like your Mom's OCD warrants Home Health-type care instead of nursing home or assisted living care.

It sounds like you really need to talk to an attorney who specializes in Elder Care and Medicaid.

Have you considered hiring a full time aid/companion for her? It will take some work to find someone reputable, but it should cost much less that what you are currently paying.

I agree with Golden23. You definitely need someone on your side in this situation. Medicaid won’t do that. Medicaid’s wheels move very, very slowly. I had to send copies of the same documents to them three times. And then we were denied anyway. Find an Elder Law Attorney to help you. It’s very worth the investment.

If you are left with a *balance* to pay of $10,000 a month after deducting the ltc insurance benefit, that's some high end care you're paying for, isn't it? I'm not surprised it's rapidly depleting her savings.

How is the OCD expressed? I'm not clear how it relates to the decision about what sort of setting would be best for her care.

Have you talked with an Elder Care Attorney or Medicaid Attorney about your Mom’s situation? Have you applied for Medicaid for your Mom? Is that the “Financial Aid” that you mention? How much does your Mom’s LTC Insurance pay out per DAY and per MONTH? 

Here are some Medicaid-related websites that you can COPY & PASTE to your browser.

https://www.medicaid.gov/state-overviews/stateprofile.html?state=maryland

https://longtermcare.acl.gov/medicare-medicaid-more/medicaid/medicaid-eligibility/financial-requirements-assets.html

https://longtermcare.acl.gov/medicare-medicaid-more/medicaid/medicaid-eligibility/general-medicaid-requirements.html

 See the Paying for Senior Care website: https://www.payingforseniorcare.com/ for information about possible options available for your Mom. (Copy & Paste URL to your web browser.)

https://www.payingforseniorcare.com/longtermcare/costs.html#title6
Cost of Care Calculator Results: Answer the questions below to see the cost of care in your area.
1 Choose a type of care: Nursing Home Care
2 Choose a state: Maryland
3 Choose a region: Baltimore Area
See Results:   Nursing home care in the Baltimore Area area of Maryland ranges from $330.00 to $330.00 / day.   The average cost is $330.00.

https://www.payingforseniorcare.com/longtermcare/resources/locator_tool.html Eldercare Financial Assistance Locator
Over 400 programs provide financial assistance for elder care. Help comes from federal, state, and local governments, the VA, non-profits, private organizations, and as many as 50 other agencies.  The large number of sources and different and often conflicting qualification rules makes determining one's eligibility a challenge… By answering a few questions, we help you find the programs for which you or your loved one is currently eligible as well as those programs for which you might become eligible as your situation changes.

 Hope that you can find some helpful information on these websites.

Perhaps you should seek the advice of your local agency for aging and also an elder lawyer who is experienced with medicaid and other such options, Sounds like the insurance policy is getting in the way. Good luck.