If you have a father who is on Medicare and has the start of dementia and his wife has bank account in her name, how do you pay for his care?

If his name isn’t on the bank account then no, Medicaid cannot take the money after his wife dies. Assuming the 2 children are joint owners with their mother, when she dies legally they own the account. Medicaid cannot touch the account.

if he is on Medicaid. They will take everything. Will even look back five years of his financial statement.

If the account is JTWROS, the children will get the money and they can do whatever they want with it.

Do you mean Medicaid? Is he on Medicaid now? Whatever accounts his name is on are the accounts the county will be looking at.

No, the money would go to the 2 children.