Work through each one yourself using the Module 05 framework before you reveal the reasoning. This is where the framework turns into instinct.
QMB+ is a full dual — broad D-SNP eligibility. Her current plan isn't a D-SNP at all, which likely explains the unexpected costs: she's missing the Medicaid-coordinated cost-sharing a D-SNP would provide. Since she just moved states, her Medicaid enrollment needs to be reverified in the new state first. Once confirmed, look for an integrated (FIDE/HIDE) D-SNP if one's available and aligned with her Medicaid plan.
Both conditions are on the CMS-approved list, and some C-SNPs are built specifically around this combination. Confirm a multi-condition C-SNP is available in his area, and set the expectation up front that his provider will need to confirm the condition(s) within the first month of enrollment or the plan will disenroll him. Still compare it against the strongest standard MAPD option on network and cost — don't assume the C-SNP wins by default.
He's already confirmed creditable coverage he wants to keep — a textbook MA-only case. Before finalizing, confirm with the VA how enrolling in a Medicare Advantage plan (even MA-only) interacts with his VA benefits — coordination rules are specific and worth double-checking. If confirmed compatible, an MA-only plan lets him add the extra benefits without disturbing the drug coverage that's already working.
No SNP eligibility on either front, so this runs straight through the standard criteria: match his providers and formulary, lead with dental/vision since he named them, and check his MOOP. Since he currently has no drug coverage at all, MAPD isn't just the default here — it also protects him from a Late Enrollment Penalty down the line.
SLMB is a partial dual with more limited D-SNP eligibility than a full dual like her neighbor might be. Don't assume she qualifies for the same plan or benefits — check which D-SNPs in her area actually accept SLMB-level eligibility, if any. If none do, she's likely better served by a strong standard MAPD plan, and it's worth explaining clearly why her situation differs from her neighbor's rather than letting the comparison stand unaddressed.
This sounds like a disaster SEP, but "sounds like" isn't good enough — before telling him anything is confirmed, check his exact county and the declared incident dates against PEAK's Disaster SEP Tracker. The SEP only applies to counties actually named in a FEMA or state declaration, and only for the incident window plus the extra time CMS allows afterward — not indefinitely. If his county and dates check out, document the declaration when you process the enrollment. If they don't, he doesn't have a valid election period yet and needs to wait for AEP or another qualifying SEP.