In a facility,that has both retail rate clients and wholesale rate clients paid by 3d party as in Medicaid ..sometimes it hard to say who gets better or worse care than the other.....or even if there is any,difference....on floor,staff may not even know who is paying how and you may not love any level,of care short of that the upper 1%! Can afford... been there several times with family and friends
I too,am not wild about folks who preserve assets and transfer spouse to taxpayers care BUT that is not the question OP addresses..the point is that the moves that are not in violation of the rules remain open and the rules about counted assets are just that....the rules may be full of land mines for folks who want to end run the rules and the rules are full of thou shall not do x,y,z .But so be it.
If some forms of annuities, Or spend downs fit..well then consider same with care.
I am a bit symphatic as to the plight of,those who,saved for a rainy day being treated far worse than those who,,blew thru it earlier. As to quality of life for each spouse. How to preserve assets now,for next generation has a different smell.