fix: allow letters in insurance ID; add patient state (default MA)

- Backend insurance ID check now accepts letters + digits (BCBS IDs have
  a letter prefix), matching the frontend schema; create route validates
  the normalized body
- Patient.state column (default "MA") with State select on the patient
  form; ADA claim form uses the patient's state instead of the office's
- Rebuild stale packages/db compiled .js so the runtime schemas include
  new fields (state, office billing NPI fields, Telnyx settings)

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

packages/db/generated/prisma/package.json

@@ -1,5 +1,5 @@
 {
-  "name": "prisma-client-299566db02bfad897daf3b307e0d5e21be5b2291b781663e7b9e5e2502cfd566",
+  "name": "prisma-client-bb116778cffb9b15699ea4d9b914737691958a4696934cfac892c11c3d30ad3d",
   "main": "index.js",
   "types": "index.d.ts",
   "browser": "default.js",