<?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>2026-04-14</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Legal pages -->
  <url>
    <loc>https://medigami.com/terms</loc>
    <lastmod>2026-04-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://medigami.com/privacy</loc>
    <lastmod>2026-04-05</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>

  <!-- ============================================================
       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>

  <!-- ============================================================
       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>
</urlset>
