We went to a medicaid lawyer when mom was in the nursing home. Dad put my name and his name on the house. He changed all his insurance policies over to leave his five children the money upon his death. He also put my name on his checking account. Dad survived 4 years after mom's death.
If the insurance policies were owned by Dad and ONLY Dad and he was NEVER on Medicaid, they will not be part of the recovery process. Same for the checking account.