<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- ============================================================
       Medigami sitemap. Mirrors PATH_MAP in Frontend/src/App.jsx —
       any new URL added there must also be added here.
       lastmod uses ISO-8601 dates; bump when the content changes.
       ============================================================ -->

  <!-- Homepage / Bill Scanner — primary landing -->
  <url>
    <loc>https://medigami.com/</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- (removed stale /mcp — no longer in App.jsx PATH_MAP; superseded by /developers,
       which is pending an SEO publish decision — see _SITEMAP_EXCLUDE in
       Backend/tests/test_sitemap_completeness.py) -->

  <!-- Pricing -->
  <url>
    <loc>https://medigami.com/pricing</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Bill Rescue — $149 done-for-you concierge (the direct-revenue page) -->
  <url>
    <loc>https://medigami.com/rescue</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Legal pages -->
  <url>
    <loc>https://medigami.com/terms</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/privacy</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Audience-specific landing -->
  <url>
    <loc>https://medigami.com/for-employers</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Patient-side outcome flywheel — DARK-DEPLOYED. Uncomment when
       VITE_FEATURE_SHARE_OUTCOME=1 is set in CF Pages and the page is
       live. Audit posture: feature is gated until counsel signs off
       on the consent flow. See tools/enterprise/dark_deploy_thaw.md.
  <url>
    <loc>https://medigami.com/share-outcome</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  -->


  <!-- ============================================================
       SEO Guides — mapped from Frontend/src/components/SEOGuides.jsx
       ============================================================ -->
  <url>
    <loc>https://medigami.com/guides/how-to-read-medical-bill</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://medigami.com/guides/medical-bill-errors</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://medigami.com/guides/appeal-medical-bill-denial</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://medigami.com/guides/lower-medical-bill</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://medigami.com/guides/cobra-vs-marketplace</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://medigami.com/guides/turning-26-insurance</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://medigami.com/guides/glp1-costs</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ============================================================
       IVF / Fertility — vertical-pivot landing surfaces (2026-04-23).
       DARK-DEPLOYED. Uncomment when VITE_FEATURE_IVF_GUIDES=1 is set
       in CF Pages and the pages render real content. Audit posture:
       state-mandate references and copy are counsel-vetted abstractly
       (deferred to RESOLVE) but the feature itself is gated until
       launch readiness signed off. See dark_deploy_thaw.md.
  <url>
    <loc>https://medigami.com/guides/ivf-denial-appeal</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://medigami.com/guides/states-without-ivf-mandate</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://medigami.com/guides/ivf-cost-by-state</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  -->


  <!-- ============================================================
       Hospital-specific guides — high-intent search terms (e.g.
       "Mayo Clinic billing", "Cleveland Clinic appeal").
       ============================================================ -->
  <url>
    <loc>https://medigami.com/guides/mayo-clinic</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://medigami.com/guides/cleveland-clinic</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://medigami.com/guides/johns-hopkins</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://medigami.com/guides/mass-general</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://medigami.com/guides/cedars-sinai</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ============================================================
       Insurer-specific denial appeal pages — mapped from
       Frontend/src/components/SEOPages.jsx
       ============================================================ -->
  <url>
    <loc>https://medigami.com/aetna-denial-appeal</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://medigami.com/unitedhealthcare-denial-appeal</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://medigami.com/cigna-denial-appeal</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://medigami.com/bcbs-denial-appeal</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://medigami.com/anthem-denial-appeal</loc>
    <lastmod>2026-04-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://medigami.com/partner</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://medigami.com/partner-portal</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Free acquisition tools + conversion surfaces (published 2026-07-13) -->
  <url>
    <loc>https://medigami.com/decode-denial</loc>
    <lastmod>2026-07-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://medigami.com/get-help</loc>
    <lastmod>2026-07-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://medigami.com/advocates</loc>
    <lastmod>2026-07-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://medigami.com/developers</loc>
    <lastmod>2026-07-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://medigami.com/providers</loc>
    <lastmod>2026-07-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Public goldmine surfaces (payer scoreboard, charity-care screener, signed outcome index) -->
  <url>
    <loc>https://medigami.com/payer-scoreboard</loc>
    <lastmod>2026-07-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://medigami.com/charity-check</loc>
    <lastmod>2026-07-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://medigami.com/outcomes</loc>
    <lastmod>2026-07-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Free letter-template SEO pages (published 2026-08-23) -->
  <url>
    <loc>https://medigami.com/templates/appeal-letter</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://medigami.com/templates/medical-bill-dispute-letter</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://medigami.com/templates/glp1-appeal-letter</loc>
    <lastmod>2026-08-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://medigami.com/templates/financial-assistance-letter</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://medigami.com/templates/surprise-bill-dispute-letter</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://medigami.com/templates/itemized-bill-request-letter</loc>
    <lastmod>2026-08-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://medigami.com/templates/appeal-evidence-documentation</loc>
    <lastmod>2026-08-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://medigami.com/texas-sb1264-arbitrator-fees</loc>
    <lastmod>2026-08-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Open Console permalinks — seeded deterministically by Backend/scripts/seed_console_sitemap.py (PLAN-OPEN-CONSOLE-20260831.md step 5). Rerun that script (write mode) rather than hand-editing this block. -->
  <url>
    <loc>https://medigami.com/console/deadline/ca/erisa</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/ca/individual</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/ca/medicaid</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/ca/medicare</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/ca/self-funded</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/ny/erisa</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/ny/individual</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/ny/medicaid</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/ny/medicare</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/ny/self-funded</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/md/erisa</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/md/individual</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/md/medicaid</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/md/medicare</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/md/self-funded</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/nj/erisa</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/nj/individual</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/nj/medicaid</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/nj/medicare</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/nj/self-funded</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/mi/erisa</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/mi/individual</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/mi/medicaid</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/mi/medicare</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/mi/self-funded</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/oh/erisa</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/oh/individual</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/oh/medicaid</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/oh/medicare</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/oh/self-funded</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/nc/erisa</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/nc/individual</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/nc/medicaid</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/nc/medicare</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/deadline/nc/self-funded</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/odds/experimental-investigational/ca</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/odds/medical-necessity/ca</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/odds/urgent-care/ca</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/odds/aetna/ny</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/odds/affinity-health-plan/ny</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/odds/anthem-bluecross-blue-shield/ny</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/odds/anthem-bluecross-blueshield-healthplus/ny</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/odds/centers-plan-for-healthy-living/ny</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/odds/cigna-health-and-life-ins-co/md</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/odds/carefirst-bluechoice-inc/md</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/odds/carefirst-of-maryland-inc/md</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/odds/group-hospitalization-and-medical-services-inc/md</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/console/odds/guardian-life-insurance-company-of-america/md</loc>
    <lastmod>2026-09-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
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