If a child's name was included on a parent's bank checking account right from the beginning when it was first opened up, NOT ADDED ON LATER, does the following statement still apply (in reference to this copy & paste from your article on Qualifying for Medicaid and Jointly Held Assets): "If all of the money in an account came from the parent, merely adding a child's name to that account will have no effect for Medicaid purposes...."
"If all of the money in an account came from the parent, merely adding a child's name to that account will have no effect for Medicaid purposes because it is not a gift to the child. In this instance, the entire value of the account will still be counted for the purposes of determining the parent's Medicaid eligibility."
I read that to mean the timing of the child's name on the account is not the issue, ownership of the funds is. As worried states, commingled funds are never advised, because the entire value of a jointly named account will always be counted as belonging to the parent by Medicaid.
I did this to protect and ease any lookback, which never came, and to ensure any final check that may have been clawed back would not cause any unnecessary burden on paying the bills.
After her DX of dementia I would use my card to withdraw funds for her use and kept a complete record. I only used my card about four times in a year but I would keep cash on hand for smaller things for Luz. It never exceeded $100.00.