<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Homepage / Bill Scanner -->
  <url>
    <loc>https://medigami.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Legal pages -->
  <url>
    <loc>https://medigami.com/terms</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/privacy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- SEO Guides (existing in SEOGuides.jsx) -->
  <url>
    <loc>https://medigami.com/guides/cobra-vs-marketplace</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://medigami.com/guides/turning-26-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://medigami.com/guides/glp1-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://medigami.com/guides/how-to-read-medical-bill</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://medigami.com/guides/medical-bill-errors</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://medigami.com/guides/appeal-medical-bill-denial</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://medigami.com/guides/lower-medical-bill</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Insurer-specific denial appeal pages (existing in SEOPages.jsx) -->
  <url>
    <loc>https://medigami.com/aetna-denial-appeal</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://medigami.com/unitedhealthcare-denial-appeal</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://medigami.com/cigna-denial-appeal</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://medigami.com/bcbs-denial-appeal</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url><loc>https://medigami.com/advocates</loc></url>
  <url><loc>https://medigami.com/pro</loc></url>
  <url><loc>https://medigami.com/employers</loc></url>
  <url><loc>https://medigami.com/developers</loc></url>
  <url><loc>https://medigami.com/api-pricing</loc></url>
</urlset>
