My mother was denied medicaid in Texas due to her life insurance policy accumulating some money that would put her over resources to get the medicaid help she needs to stay in the nursing home. I was asked by the nursing home to make the policy irrevocable and I have done that, but was told that does not change ownership of the policy and the money will still be there. My mother came into the nursing home as a medicaid-pending patient in September 2015. Has anyone experienced this? The nursing home should have told me to change ownership of the policy.