Worried In TX

Both my spouse and I are on Medicare and we are drowning in medical debt. It has been suggested to us that we divorce but continue to live in the same house (10 yr. mortgage remains but home is dilapidated - but it is better than being homeless) and that by going on Medicaid instead of our current Medicare, that as long as the house is signed over to the state upon the death of the last remaining "occupant" - that our medical bills would decrease and we'd be able to keep the house.

BTW: only husband's name is on the mortgage as wife & her ex-husband had to declare bankruptcy. Current husband has stellar credit rating.

Is any of this true? Wouldn't things smell 'fishy' that a once married couple suddenly divorces, yet both remain at same address? The address would show up on all the various forms needing to be filled out, etc.

Afraid of what would happen if caught...is this fraud?

Wife needs medical treatments on a reg. basis that are very expensive, hence why they are drowning in medical debt as they keep using credit card to pay their portion that their ins. co. under Medicare does not pay.

Scared to do these suggestions if not legal.

Thank You for your time & Anxiously Await a Reply if Possible.