<?xml version="1.0" encoding="UTF-8"?><?xml-stylesheet type="text/xsl" href="//www.insuranceprofessor.net/wp-content/plugins/wordpress-seo/css/main-sitemap.xsl"?>
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd http://www.google.com/schemas/sitemap-image/1.1 http://www.google.com/schemas/sitemap-image/1.1/sitemap-image.xsd" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
	<url>
		<loc>https://www.insuranceprofessor.net/</loc>
		<lastmod>2025-12-16T15:00:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2025/07/shutterstock_2413851083-scaled.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2025/08/doctor-senior-eye-exam.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2025/08/man-sunflower-field.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2025/08/woman-on-laptop.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/blog/</loc>
		<lastmod>2017-11-05T15:02:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2013/01/couple-jogging.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/request-a-consultation/</loc>
		<lastmod>2021-12-27T09:46:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2013/01/couple-in-park.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/worry-free-retirement/</loc>
		<lastmod>2022-01-10T11:26:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2012/11/couple-laughing.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/medicare-educational-videos/</loc>
		<lastmod>2022-01-10T12:29:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/macra-facts-fiction/</loc>
		<lastmod>2022-01-10T12:41:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/who-is-buying-who-and-why/</loc>
		<lastmod>2022-01-10T12:47:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/social-security-medicare-and-taxation/</loc>
		<lastmod>2022-01-10T12:53:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/annual-election-period-approaching/</loc>
		<lastmod>2022-01-10T12:57:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/cvs-expansion-cheaper-drugs/</loc>
		<lastmod>2022-01-10T13:04:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/medicare-announces-new-primary-care-pilot-program/</loc>
		<lastmod>2022-01-10T13:16:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/medicare-pilot-program-bundling-cardiac-care-payments/</loc>
		<lastmod>2022-01-10T13:23:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/why-are-generic-drugs-so-expensive/</loc>
		<lastmod>2022-01-10T13:34:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/client-upload/</loc>
		<lastmod>2022-01-10T14:00:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2017/11/smiling-woman.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/insurance-white-papers/</loc>
		<lastmod>2022-01-10T14:30:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/is-this-a-scam-have-you-received-calls-warning-you-about-medicare/</loc>
		<lastmod>2022-01-11T05:55:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/bad-drugs-man/</loc>
		<lastmod>2022-01-11T06:00:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/cms-drug-cost-reimbursement-experiment/</loc>
		<lastmod>2022-01-11T06:04:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/4mm-catheter-recall-news/</loc>
		<lastmod>2022-01-11T06:12:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/lets-revisit-means-testing/</loc>
		<lastmod>2022-01-11T06:16:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/prostate-this/</loc>
		<lastmod>2022-01-11T06:30:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/viewpoint/</loc>
		<lastmod>2022-01-11T06:39:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/medicare-briefly/</loc>
		<lastmod>2022-01-11T06:43:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/medicare-overview-pamphlet/</loc>
		<lastmod>2022-01-11T06:46:58+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2013/01/couple-in-park.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2020/03/Medicare-Overview-Pamphlet.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/retiree-health-care-costs-soar-rise-outpaces-that-in-social-security-colas/</loc>
		<lastmod>2022-01-11T07:21:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/using-life-insurance-to-offset-retirement-health-costs/</loc>
		<lastmod>2022-01-11T08:09:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/whats-the-dol-fiduciary-rule-and-what-is-it-about/</loc>
		<lastmod>2022-01-11T08:27:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/why-is-7-said-to-be-lucky/</loc>
		<lastmod>2022-01-11T08:34:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/can-a-new-approach-for-generic-drugs-lower-costs/</loc>
		<lastmod>2024-04-08T15:46:58+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2018/04/extended-care.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/4-ways-to-reduce-rmds-required-minimum-distributions-from-retirement-plans-can-boost-taxes/</loc>
		<lastmod>2024-04-08T15:51:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2013/01/couple-in-park.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/medical-insurance-program-for-retirees-denver-colorado/</loc>
		<lastmod>2024-04-23T11:17:50+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2020/06/couple-in-park.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2020/06/coulpe-rollerblading.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2021/02/group-of-ladies-768x512.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/medicare-video-landing/</loc>
		<lastmod>2024-04-26T20:19:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2016/06/video1thumbnail.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>http://www.insuranceprofessor.net/wp-content/uploads/2016/06/video1thumbnail.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/a-short-history-of-medicare/</loc>
		<lastmod>2024-04-27T19:03:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2012/11/family-on-bikes.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/events/</loc>
		<lastmod>2024-07-17T18:55:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/income-to-last-your-entire-life-safe-money-strategies/</loc>
		<lastmod>2024-07-23T18:49:54+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2017/11/smiling-woman.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2020/06/coulpe-rollerblading.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/pay-lowest-taxes-in-retirement/</loc>
		<lastmod>2024-07-23T18:54:34+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2020/06/bucket-beige.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2020/06/bucket-orange.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2020/06/bucket-blue.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2020/06/bucket-beige.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2020/06/bucket-orange.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2020/06/bucket-blue.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2020/06/group-of-ladies.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>/wp-content/uploads/2020/06/bucket-beige.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>/wp-content/uploads/2020/06/bucket-orange.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>/wp-content/uploads/2020/06/bucket-blue.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>/wp-content/uploads/2020/06/bucket-beige.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>/wp-content/uploads/2020/06/bucket-orange.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>/wp-content/uploads/2020/06/bucket-blue.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/part-d-changes-for-2025/</loc>
		<lastmod>2024-07-23T19:48:55+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2013/01/couple-jogging.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2024/07/partd-changes-pict1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2024/07/partd-changes-pict2.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2024/07/partd-changes-pict1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2024/07/partd-changes-pict2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/2025-edititon-of-medicare-briefly-from-insuranceprofessor-net/</loc>
		<lastmod>2024-11-20T20:38:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/about-us/</loc>
		<lastmod>2024-11-25T13:46:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2012/11/happy-family.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2024/11/What-IP-Does-thumb.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2012/11/insurance-professional-a-jensen.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2024/11/What-IP-Does-thumb.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>/wp-content/uploads/2012/11/insurance-professional-a-jensen.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/email-signature-graphic/</loc>
		<lastmod>2025-07-09T19:11:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2025/02/Email-Signature-70_new_2025-scaled-e1739562302504.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/part-d-changes-for-2025-2/</loc>
		<lastmod>2025-07-09T19:43:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2025/07/Part-D-Piro-to-2024-and-2025-scaled.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2025/07/Screenshot-2025-07-09-at-1.16.12%E2%80%AFPM.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/who-or-what-in-the-world-is-irmaa/</loc>
		<lastmod>2025-08-28T13:45:17+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2025/08/Screenshot-2025-08-27-at-7.22.42-PM.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/the-new-social-security-bonus/</loc>
		<lastmod>2025-08-28T20:28:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/mid/</loc>
		<lastmod>2025-08-29T20:28:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/medicare-overview-video/</loc>
		<lastmod>2025-09-12T19:35:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2020/09/medicare-overview-video.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2020/09/medicare-overview-video.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/2026-medicare-overview/</loc>
		<lastmod>2025-12-16T15:22:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/paying-for-your-health-care-in-retirement-insurance-professor-net/</loc>
		<lastmod>2025-12-17T13:19:59+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2020/09/medicare-overview-video.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2020/06/couple-walking-dog.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2025/12/Medicare-Overshow-Title-Slide.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>/wp-content/uploads/2020/09/medicare-overview-video.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/articles/</loc>
		<lastmod>2026-01-06T19:02:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/irmaa-2026/</loc>
		<lastmod>2026-05-21T22:09:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/part-d-drug-negotiations-through-2026/</loc>
		<lastmod>2026-05-25T19:33:30+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2026/05/2026-2027-LowerDrugPricesInfographic-MFP-FINAL-508.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2026/05/2027-2028-lowerdrugpricesinfographic-mfp-nov172025-final-508.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/protect-more-of-your-pocketbook-low-cost-ways-to-cover-expenses-in-medicare-plans/</loc>
		<lastmod>2026-05-25T19:34:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.insuranceprofessor.net/billing-invoicing-in-the-world-of-medicare/</loc>
		<lastmod>2026-06-05T19:48:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.insuranceprofessor.net/wp-content/uploads/2026/06/Screenshot-2026-06-05-at-12.38.14-PM.png</image:loc>
		</image:image>
	</url>
</urlset>
<!-- XML Sitemap generated by Yoast SEO -->