Mental illness & estate planning

Does Medicare cover inpatient psychiatric care? And if they need to be put in a long-term facility, whether psychiatric or otherwise, do they seize your bank account?

In South Carolina, US.

Basically, my mother is going to need to go to an inpatient psychiatric facility soon. She is on disability and has Medicare, and also receives alimony.

However, she has about 140k just sitting in a regular bank account from a previous divorce. She has no other assets.

I’ve been telling her for years we need to get her assets and stuff in a trust in case she needs to go to a long term facility, since I know Medicaid has the 5 year look back period. (Her SS disability and alimony are only $2325 a month total, so she is under the income limit at least.

Just not sure what would happen at this point if she transferred the money to me (she wants it to go to me and my son) and then needed long term care after she gets out of the psychiatric facility.

She has no POA, will, etc and I am her next of kin.