Attorneys, care managers and advisors
Elder law attorneys, aging life care managers, financial advisors doing long term care planning, county senior services and faith communities. Real, and slower, and the lane that produces the longest engagements when it lands, because these people meet the family before the crisis rather than during it. It is built one relationship at a time and it does not respond to coverage.
Who decides: the individual professional, personally. There is no committee and no procurement, which cuts both ways.