Finances, the elephant in the room

Finances has to be in the back of most caregivers minds, exept for the really rich. What happens if I suddenly become ill? I'm 75 and my wife 74. We could live anothe 10 years. Do I plan for the day when I can't be her caregiver? I have checked out places to find one we would like. They are all about the same cost. Some are non profit. Some may not take medicaid initially. The game my sister and brother inlaw are playing is hide most of their assets, hope they make it past the lookback period, 5 yrs, give the care center a chunk of money then make medicaid pay for the end game. The care center goes along with it if they get a big enough chunk up front. In their case, $15,000+ per month for 2. And then the care center plays the demagraphics game on how long they last.
So do you very early on start nursing home trusts and play the medicaid game? The up front chunk looks like it has to be 4 or $500k for some places. Will medicaid in its current form even be there when the time comes? Staff per resident can greatly change the cost which is important in memory care facilities. We have used a great resource called Oasis to get questions answerred. It is an a franchise organization funded by the care facilites and free to patients looking for some initial screening and beginning questions.
The main source of economic activity in towns near us in long term care. Skilled care centers have a waiting list yet. But memory centers here usually have openings. Both spouses needing care is the most outlandish outcome. There are only a few rooms in care centers that can accomodate couples in memory care. Otherwise its double the cost.