In the state of Ohio, a recipient's primary home is not typically counted among disposable assets. You cannot usually gift or transfer title to adult and able-bodied children, other relatives, friends, or to most trust funds, without incurring an ineligibility penalty (meaning you are not eligible to receive Medicare or Medicaid benefits for a certain amount of time— this is also known as being placed on "sanction").
If a recipient is placed into nursing care or is away from the residence for two or more years without the expectation of returning, however, the state may file a lien and begin liquidation procedures for the home. In the case of a married couple in which one partner is entering an assisted living arrangement and the other is still living independently, the house is protected if it is the independent spouse's primary residence.
The latter group may have monthly income that exceeds the limits, but their "excess" income is consumed by medical or remedial expenses.
These individuals must "spend down" that excess income on medical bills to qualify for Medicaid. For example, if an individual's income is $250 over the limit, once that amount is spent on qualifying expenses, Medicaid kicks in to pay the rest.
If you want to preserve any assets for your future, you must understand how to protect your life insurance from Medicaid.