Q. I have been denied Medicaid because I have too much money in my bank account. What can I do with the excess without spending it? The state has asked for receipts or detailed list of expenditures.

A: There are various ways to spend down excess Medicaid resources. Sometimes gifts are useful but other they can also disqualify you. Buying things and paying debts often are good spend down techniques. However, you really need to consult with an elder law attorney before you set out to do this.