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/shared/schemas/findFirstOrThrowUser.schema.js

@@ -68,6 +68,7 @@ exports.UserFindFirstOrThrowSelectSchema = z.object({
     cloudFiles: z.boolean().optional(),
     communications: z.boolean().optional(),
     twilioSettings: z.boolean().optional(),
+    telnyxSettings: z.boolean().optional(),
     aiSettings: z.boolean().optional(),
     officeHours: z.boolean().optional(),
     officeContact: z.boolean().optional(),
@@ -104,6 +105,7 @@ exports.UserFindFirstOrThrowSelectZodSchema = z.object({
     cloudFiles: z.boolean().optional(),
     communications: z.boolean().optional(),
     twilioSettings: z.boolean().optional(),
+    telnyxSettings: z.boolean().optional(),
     aiSettings: z.boolean().optional(),
     officeHours: z.boolean().optional(),
     officeContact: z.boolean().optional(),