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  <!-- Homepage -->
  <url><loc>https://medicarecopilot.ai/</loc><lastmod>2026-06-04</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>

  <!-- Capability pages (primary AEO/SEO targets) -->
  <url><loc>https://medicarecopilot.ai/product-features</loc><lastmod>2026-06-04</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://medicarecopilot.ai/ai-plan-intelligence</loc><lastmod>2026-06-04</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://medicarecopilot.ai/crm-client-management</loc><lastmod>2026-06-04</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://medicarecopilot.ai/enrollment-tools</loc><lastmod>2026-06-04</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://medicarecopilot.ai/marketing-automation</loc><lastmod>2026-06-04</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://medicarecopilot.ai/commission-tracking</loc><lastmod>2026-06-04</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://medicarecopilot.ai/medicare-compliance-hub</loc><lastmod>2026-06-04</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <!-- Positioning & conversion -->
  <url><loc>https://medicarecopilot.ai/pricing</loc><lastmod>2026-06-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://medicarecopilot.ai/compare</loc><lastmod>2026-06-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://medicarecopilot.ai/why-medicarecopilot</loc><lastmod>2026-06-04</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://medicarecopilot.ai/case-studies</loc><lastmod>2026-06-04</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://medicarecopilot.ai/testimonials</loc><lastmod>2026-06-04</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://medicarecopilot.ai/compliance</loc><lastmod>2026-06-04</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Company & support -->
  <url><loc>https://medicarecopilot.ai/about</loc><lastmod>2026-06-04</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://medicarecopilot.ai/partners</loc><lastmod>2026-06-04</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://medicarecopilot.ai/getting-started</loc><lastmod>2026-06-04</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://medicarecopilot.ai/contact-us</loc><lastmod>2026-06-04</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://medicarecopilot.ai/press-releases</loc><lastmod>2026-06-04</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>

  <!-- Learn / resources -->
  <url><loc>https://medicarecopilot.ai/learn</loc><lastmod>2026-06-04</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url>
  <url><loc>https://medicarecopilot.ai/learn/live-webinars</loc><lastmod>2026-06-04</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url>
  <url><loc>https://medicarecopilot.ai/learn/video-resources</loc><lastmod>2026-06-04</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>

  <!-- Free agent tools (high-intent organic + AEO targets).
       Figures are refreshed when CMS publishes: Part B/IRMAA in November,
       the Part D base beneficiary premium in late July. Bump lastmod then. -->
  <url><loc>https://medicarecopilot.ai/tools</loc><lastmod>2026-07-27</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://medicarecopilot.ai/tools/part-b-penalty-calculator</loc><lastmod>2026-07-27</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://medicarecopilot.ai/tools/part-d-penalty-calculator</loc><lastmod>2026-07-27</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://medicarecopilot.ai/tools/medicare-penalty-calculator</loc><lastmod>2026-07-27</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://medicarecopilot.ai/tools/enrollment-period-finder</loc><lastmod>2026-07-27</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://medicarecopilot.ai/tools/creditable-coverage-checker</loc><lastmod>2026-07-27</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://medicarecopilot.ai/tools/irmaa-estimator</loc><lastmod>2026-07-27</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Legal -->
  <url><loc>https://medicarecopilot.ai/legal/privacy-policy</loc><lastmod>2026-06-04</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://medicarecopilot.ai/legal/terms-of-service</loc><lastmod>2026-06-04</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://medicarecopilot.ai/legal/disclaimer</loc><lastmod>2026-06-04</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://medicarecopilot.ai/legal/copyright-policy</loc><lastmod>2026-06-04</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://medicarecopilot.ai/legal/baa</loc><lastmod>2026-06-04</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://medicarecopilot.ai/legal/subscription-terms</loc><lastmod>2026-06-04</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>

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