If I get a reverse mortgage on our house can Medicaid still put a lien against it to pay for our medical care?

Warren, it is my understanding that if Medicaid puts a lien on your house it would be for half the equity to help pay for your wife's care. You would be able to keep the other half for yourself to help pay for your continuing care when the time comes.

I agree with Babalou above, make an appointment to talk to an Elder Law Attorney as he/she will be familiar with your State's Medicaid rules and regulations. And can also advise you about a Reverse Mortgage. There are many pros and cons regarding such a loan.

So you'd be paying out of that equity for care, yes?

I would want a RM so that Medicaid has less equity they can take (put a lien against) for our future medical care.

https://www.agingcare.com/articles/reverse-mortgages-affect-medicaid-153250.htm From an Aging Care article

Warren, i don't have the answer for you. But what i would like you to think about is, why would you want a RM ( where the bank will lien the house) as opposed to getting Medicaid for your wife and having the home as as exempt asset during your life time?

For your benefit only, would it be advantageous for you to sell the house because you'd like to live someplace more manageable?

You should definitely talk to a certified eldercare attorney about these issues, and take your daughter with you.