Mapping OOP risk with current health coverage; deductibles/OOP max/network fit

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Medicare timing (A/B), Medigap vs. MA fit, Part D coordination—senior pitfalls

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IRMAA awareness and annual plan review workflow (ANOC season)

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LTC triggers (ADLs/cognitive), elimination periods, and care settings

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Hybrid life/LTC & annuity/LTC—when hybrids fit vs. traditional LTC

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