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Texas requires that any life insurance policy can't have a face value of more than $1500. before a person is eligible for Medicaid. Had my FIL lived longer and needed to apply for Medicaid we would have had to cash in his whole life policy for its cash-in value and apply that money towards his care.
Insurance is sticky for being an asset. There are issues in whole vs term and in ownership. Most elderly are on the policy as being the owner of the policy so it is an asset. BUT you DO NOT have to own your policy, others can own the policy and this is how you get around it being an asset, you just need a good financial advisor & attorney to get this worked out. I have "key-man" insurance policy and the business technically is the owner of my life insurance policy and pays the premiums. Did this years ago before I even had to think about dealing with Medicaid issues for my mom. Now whole life policies usually build up a cash value and have to be cashed in before Medicaid can happen. Term policies don't and are POD to whomever is the beneficiary. I have heard that some states are requiring the Medicaid recepient to have the Medicaid program be a beneficiary but I bet this will face legal challenges.
Regarding hospice, if you haven't chosen the hospice group, one thing to consider is if they have a end-of-life hospice facility. My MIL was in the panhandle and her hospice was at a freestanding hospice facility adjacent to the hospital. She went there after being in a NH and was there about 2 weeks before she died. For my mom, we have preselected VITAS for her hospice when her MD decides it is time. Vitas has a free-standing facility where she lives in central TX, and again, if need be she can be transferred there for the final, final, final days. If your dad might be one who needs serious class 3 or 4 pain medications (like opiates), an in unit hospice facility will work better as the go-to-your home hospice staff usually don't carry the big time pain drugs on them. Just something to think and ask about.
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