Assuming LZ would be at least green card living in for 5 years by the age of 65.
medicare A hospital coverage is free if you have 40 points, but if you don't have 40 points, you can pay a premium (300-400 a month) to buy it.
medicare B (doctor's service) and D (drug) does not require work experience.
medicare part C are private plans you can purchase to supplement part A, B coverages.
So if LZ have some asset, I don't see why he can't purchase medicare part A, B, C, D and have a decent medical coverage. He does not need to give away his asset to apply for welfares.
Money can't buy a lot of things, but it could buy some dignity.
