“If for some reason I cannot pay for the overlay, and require care I will be put on Medicaid,”
That’s not how it works. You stay on Medicare until your assets are gone. You don’t forfeit anything. You cannot go on Medicaid until your assets are gone.
People who went on Medicaid expansion were allowed certain assets like a 401k and a house but forfeit those things after death for taking the Mark of the Beast,
Not those who are not yet on medicare