As I understand Medicaid relative to nursing homes, it's limited to people with NO assets, so nothing for children to reap after death.
You are basically correct, so asset transfer then takes place intentionally thru various means to make the potential Medicaid receiptant then qualify for Medicaid as being insolvent, ie saving heirs inheritance and the need to support their relative..
Reality check, that half the population is smarter then 50% of the people and it's a constantly contested fact.
