Who is on the title to the house. If it is in your Mothers name who does it go to when she passes? Is it in a trust? You might want to talk to a lawyer that does Elder Law or at least one that is aware of Medicaid rules.
They can ask for it - BUT, legally they cannot have it unless you give it to them.
Again, Howard Clark covered this. You can google some information and visit his site and ask him directly. Creditors cannot have your inheritance unless you give it willingly.
If there is cash value to the policy Medicaid would have made her cash it in. I am surprised that have not talked to you about this. Usually, life policies with value must be cashed in before becoming Medicaid eligible.
Please, call a lawyer versed in Medicaid. The rules are always changing, don't just depend on random answers online. My mother signed a quit claim deed 10-15 years before she started declining, we had all the paperwork for POA, living will, her will (which had to have a small change) - all that ahead of time. But as for you, better call a lawyer !
You might want to talk to a lawyer that does Elder Law or at least one that is aware of Medicaid rules.
Again, Howard Clark covered this. You can google some information and visit his site and ask him directly. Creditors cannot have your inheritance unless you give it willingly.
But a Lawyer could be your best protection.