<?xml version="1.0" encoding="UTF-8"?>
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        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">

  <!-- Homepage ─────────────────────────────────────────────────── -->
  <url>
    <loc>https://summitcarehealth.com/</loc>

    <image:image>
      <image:loc>https://images.unsplash.com/photo-1582213782179-e0d53f98f2ca?w=1920&amp;q=80</image:loc>
      <image:caption>Summit Care USA homepage hero — licensed health insurance consultation nationwide</image:caption>
    </image:image>

    <image:image>
      <image:loc>https://i.imgur.com/Pd58w2d.jpeg</image:loc>
      <image:caption>Summit Care USA company logo</image:caption>
    </image:image>

    <!-- ACA / Major Medical -->
    <image:image>
      <image:loc>https://i.imgur.com/GQZZ8Gh.png</image:loc>
      <image:caption>UnitedHealthcare — ACA major medical carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/63oZSQ3.png</image:loc>
      <image:caption>Aetna — ACA major medical carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/zcL4wDe.jpeg</image:loc>
      <image:caption>Cigna — ACA major medical carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/dXogOM1.jpeg</image:loc>
      <image:caption>Anthem — ACA major medical carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/rbV0Uij.png</image:loc>
      <image:caption>Ambetter — ACA major medical carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/I2iqwqy.png</image:loc>
      <image:caption>Humana — ACA major medical carrier represented by Summit Care USA</image:caption>
    </image:image>

    <!-- Supplemental / Private -->
    <image:image>
      <image:loc>https://i.imgur.com/3kQqgNw.png</image:loc>
      <image:caption>Everest — supplemental private carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/4OBasX9.png</image:loc>
      <image:caption>BWA — supplemental private carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/NQ8yjgp.jpeg</image:loc>
      <image:caption>Essential Care — supplemental private carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/8FvFwuM.jpeg</image:loc>
      <image:caption>Advanced Wellness Plus — supplemental private carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/EhZ0dgX.png</image:loc>
      <image:caption>Global Health — supplemental private carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/dsHAnNL.png</image:loc>
      <image:caption>Access Health — supplemental private carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/qORVuMp.png</image:loc>
      <image:caption>US Fire Premier — supplemental private carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/GW9oDnU.png</image:loc>
      <image:caption>StableGuard — supplemental private carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/B1emyiV.png</image:loc>
      <image:caption>Sigma Care Plus — supplemental private carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/zsWCSm5.jpeg</image:loc>
      <image:caption>Health Choice Silver — supplemental private carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/kFZWJg8.jpeg</image:loc>
      <image:caption>AFSLIC — supplemental private carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/DayBLHS.png</image:loc>
      <image:caption>TDK — supplemental private carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/fOK2hgm.jpeg</image:loc>
      <image:caption>NCE — supplemental private carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/BsLgdX6.jpeg</image:loc>
      <image:caption>Unified — supplemental private carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/S9Bqw9c.png</image:loc>
      <image:caption>Encore — supplemental private carrier represented by Summit Care USA</image:caption>
    </image:image>

    <!-- Medicare Advantage -->
    <image:image>
      <image:loc>https://i.imgur.com/8Bm5UuJ.png</image:loc>
      <image:caption>UnitedHealthcare Medicare — Medicare Advantage carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/BiAd6st.png</image:loc>
      <image:caption>Aetna Medicare — Medicare Advantage carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/FnCLAwd.png</image:loc>
      <image:caption>Cigna Medicare — Medicare Advantage carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/QQlbjb6.png</image:loc>
      <image:caption>Wellcare Medicare — Medicare Advantage carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/rHdchmZ.png</image:loc>
      <image:caption>Devoted Health — Medicare Advantage carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/KzpweTR.jpeg</image:loc>
      <image:caption>Healthspring — Medicare Advantage carrier represented by Summit Care USA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://i.imgur.com/PXRZEul.png</image:loc>
      <image:caption>Zing Health — Medicare Advantage carrier represented by Summit Care USA</image:caption>
    </image:image>
  </url>

  <!-- Services Hub ────────────────────────────────────────────── -->
  <url>
    <loc>https://summitcarehealth.com/services</loc>
    <image:image>
      <image:loc>https://images.unsplash.com/photo-1559757175-5700dde675bc?w=1920&amp;q=80</image:loc>
      <image:caption>Services hub hero — professional health insurance consultation</image:caption>
    </image:image>
  </url>

  <!-- Health Insurance ────────────────────────────────────────── -->
  <url>
    <loc>https://summitcarehealth.com/services/health-insurance</loc>
    <image:image>
      <image:loc>https://images.unsplash.com/photo-1559839734-2b71ea197ec2?w=1920&amp;q=80</image:loc>
      <image:caption>Health insurance hero — warm consultation between agent and family</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.unsplash.com/photo-1576091160399-112ba8d25d1d?w=900&amp;q=80</image:loc>
      <image:caption>Understanding health insurance metal tiers — Bronze through Platinum</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.unsplash.com/photo-1571772996211-2f02c9727629?w=900&amp;q=80</image:loc>
      <image:caption>Health insurance enrollment calendar and timing</image:caption>
    </image:image>
  </url>

  <!-- Dental Insurance ────────────────────────────────────────── -->
  <url>
    <loc>https://summitcarehealth.com/services/dental-insurance</loc>
    <image:image>
      <image:loc>https://images.unsplash.com/photo-1606811971618-4486d14f3f99?w=1920&amp;q=80</image:loc>
      <image:caption>Dental insurance hero — modern dental practice imagery</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.unsplash.com/photo-1629909613654-28e377c37b09?w=900&amp;q=80</image:loc>
      <image:caption>Dental insurance pricing and affordability</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.unsplash.com/photo-1588776814546-1ffcf47267a5?w=900&amp;q=80</image:loc>
      <image:caption>Understanding dental insurance waiting periods</image:caption>
    </image:image>
  </url>

  <!-- Vision Insurance ────────────────────────────────────────── -->
  <url>
    <loc>https://summitcarehealth.com/services/vision-insurance</loc>
    <image:image>
      <image:loc>https://images.unsplash.com/photo-1574258495973-f010dfbb5371?w=1920&amp;q=80</image:loc>
      <image:caption>Vision insurance hero — modern eyewear and clarity</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.unsplash.com/photo-1582142306909-195724d33ffc?w=900&amp;q=80</image:loc>
      <image:caption>Vision insurance pricing — selecting frames at an optical shop</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.unsplash.com/photo-1577401239170-897942555fb3?w=900&amp;q=80</image:loc>
      <image:caption>Vision insurance and contact lenses — fitting and consultation</image:caption>
    </image:image>
  </url>

  <!-- Hearing Insurance ────────────────────────────────────────── -->
  <url>
    <loc>https://summitcarehealth.com/services/hearing-insurance</loc>
    <image:image>
      <image:loc>https://images.unsplash.com/photo-1612531386530-97286d97c2d2?w=1920&amp;q=80</image:loc>
      <image:caption>Hearing insurance hero — audiology and hearing health</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.unsplash.com/photo-1559757148-5c350d0d3c56?w=900&amp;q=80</image:loc>
      <image:caption>Medicare gap and hearing aid coverage — family conversation</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.unsplash.com/photo-1631815589968-fdb09a223b1e?w=900&amp;q=80</image:loc>
      <image:caption>Audiologist fitting a hearing aid for a patient</image:caption>
    </image:image>
  </url>

  <!-- About ──────────────────────────────────────────────────── -->
  <url>
    <loc>https://summitcarehealth.com/about</loc>
    <image:image>
      <image:loc>https://images.unsplash.com/photo-1582213782179-e0d53f98f2ca?w=1920&amp;q=80</image:loc>
      <image:caption>About Summit Care USA hero — independent agency approach</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.unsplash.com/photo-1581094794329-c8112a89af12?w=900&amp;q=80</image:loc>
      <image:caption>Licensed insurance agent reviewing coverage options with a client</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.unsplash.com/photo-1559757148-5c350d0d3c56?w=600&amp;q=80</image:loc>
      <image:caption>Family at home with confidence in their coverage</image:caption>
    </image:image>
  </url>

  <!-- Contact ────────────────────────────────────────────────── -->
  <url>
    <loc>https://summitcarehealth.com/contact</loc>
    <image:image>
      <image:loc>https://images.unsplash.com/photo-1573497019940-1c28c88b4f3e?w=1920&amp;q=80</image:loc>
      <image:caption>Contact Summit Care USA hero — getting in touch with a licensed agent</image:caption>
    </image:image>
  </url>

</urlset>
