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  <!-- Homepage -->
  <url>
    <loc>https://bumgardnerinsurance.com/</loc>
    <lastmod>2026-04-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Primary Service Pages - The Villages -->
  <url>
    <loc>https://bumgardnerinsurance.com/medicare-the-villages-fl/</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://bumgardnerinsurance.com/medicare-advantage-the-villages-fl/</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://bumgardnerinsurance.com/medigap-the-villages-fl/</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://bumgardnerinsurance.com/medicare-part-d-the-villages-fl/</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://bumgardnerinsurance.com/turning-65-medicare-the-villages-fl/</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://bumgardnerinsurance.com/medicare-moving-to-the-villages-fl/</loc>
    <lastmod>2026-08-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Educational / Supporting Pages -->
  <url>
    <loc>https://bumgardnerinsurance.com/medicare-central-florida/</loc>
    <lastmod>2026-06-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://bumgardnerinsurance.com/turning-65-medicare-florida/</loc>
    <lastmod>2026-06-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://bumgardnerinsurance.com/medicare-enrollment-periods/</loc>
    <lastmod>2026-04-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://bumgardnerinsurance.com/medicare-advantage-vs-medigap/</loc>
    <lastmod>2026-04-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Medicare with Max (YouTube landing page) -->
  <url>
    <loc>https://bumgardnerinsurance.com/medicare-with-max/</loc>
    <lastmod>2026-08-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Sumter County Medicare Overview -->
  <url>
    <loc>https://bumgardnerinsurance.com/medicare-sumter-county-fl/</loc>
    <lastmod>2026-08-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Lake County Medicare Overview -->
  <url>
    <loc>https://bumgardnerinsurance.com/medicare-lake-county-fl/</loc>
    <lastmod>2026-08-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Marion County Medicare Overview -->
  <url>
    <loc>https://bumgardnerinsurance.com/medicare-marion-county-fl/</loc>
    <lastmod>2026-08-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- About & Contact -->
  <url>
    <loc>https://bumgardnerinsurance.com/about/</loc>
    <lastmod>2026-04-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://bumgardnerinsurance.com/contact/</loc>
    <lastmod>2026-04-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Secondary Services (ACA) -->
  <url>
    <loc>https://bumgardnerinsurance.com/aca-health-insurance-florida/</loc>
    <lastmod>2026-09-11</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Blog -->
  <url>
    <loc>https://bumgardnerinsurance.com/blog/</loc>
    <lastmod>2026-04-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://bumgardnerinsurance.com/blog-medicare-enrollment-65/</loc>
    <lastmod>2026-04-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://bumgardnerinsurance.com/blog-medicare-advantage-vs-medigap/</loc>
    <lastmod>2026-04-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://bumgardnerinsurance.com/blog-medicare-part-d/</loc>
    <lastmod>2026-04-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://bumgardnerinsurance.com/blog-medicare-working-past-65-hsa/</loc>
    <lastmod>2026-08-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://bumgardnerinsurance.com/blog-medicare-annual-enrollment-2027-villages/</loc>
    <lastmod>2026-10-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://bumgardnerinsurance.com/blog-medicare-doctor-network-2027-villages/</loc>
    <lastmod>2026-10-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://bumgardnerinsurance.com/blog-medicare-part-d-changes-2027-the-villages/</loc>
    <lastmod>2026-10-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

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