I was under the impression that the state would take it out of your hide after you die. After you die your children only get to inherit what’s left after the state gets paid back from the Medicaid funds you used.
That’s why I’m going to die when it’s my time. I can’t afford health insurance or Medicaid.
“At a minimum, states must recover from assets that pass through probate (which is governed by state law). At a maximum, states may recover any assets of the deceased recipient.” from https://aspe.hhs.gov/basic-report/medicaid-estate-recovery
This particular article is from 2005, but I searched for “Medicad biteback”. It seems to address mainly Medicad nursing home care, but it appears to apply to any Medicad payments.