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  <url><loc>https://medicarebrief.news/</loc><lastmod>2026-08-14</lastmod></url>
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  <url><loc>https://medicarebrief.news/article/access-restrictions/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/drugs/access-restrictions.webp</image:loc><image:caption>A druggist behind the high pharmacy counter, request forms fanned beside the service bell. The painted illustration for the hub article Access restrictions on Medicare drugs.</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/am-i-eligible-for-medicare/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/enrollment/am-i-eligible-for-medicare.webp</image:loc><image:caption>A lawn sprinkler ticking over a bright painted front lawn. The painted illustration for the article Am I eligible for Medicare?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/can-i-change-medigap-plans/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/plans/can-i-change-medigap-plans.webp</image:loc><image:caption>A boutique window of shift dresses, painted, choosing a new fit. The painted illustration for the article Can I change Medigap plans?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/can-i-contribute-to-an-hsa-on-medicare/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/enrollment/can-i-contribute-to-an-hsa-on-medicare.webp</image:loc><image:caption>A savings passbook in a vinyl sleeve on a counter, painted. The painted illustration for the article Can I contribute to an HSA on Medicare?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/can-i-delay-medicare-part-b-if-i-am-still-working/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/enrollment/can-i-delay-medicare-part-b-if-i-am-still-working.webp</image:loc><image:caption>A crop duster pilot at work beside the plane, painted, mid task. The painted illustration for the article Can I delay Medicare Part B if I am still working?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/can-i-see-any-doctor-with-medicare-advantage/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/basics/can-i-see-any-doctor-with-medicare-advantage.webp</image:loc><image:caption>A barber shop pole turning by a familiar doorway, painted. The painted illustration for the article Can I see any doctor with Medicare Advantage?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/cobra-and-medicare-which-is-primary/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/transitions/cobra-and-medicare-which-is-primary.webp</image:loc><image:caption>Backyard barbecue, kettle grill, painted. The painted illustration for the article COBRA and Medicare: which is primary?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/difference-between-medicare-part-a-and-part-b/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/basics/difference-between-medicare-part-a-and-part-b.webp</image:loc><image:caption>An envelope budget system laid out plainly on a table, painted. The painted illustration for the article Difference between Medicare Part A and Part B</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/do-i-have-to-reapply-for-extra-help/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/savings/do-i-have-to-reapply-for-extra-help.webp</image:loc><image:caption>A Christmas savings envelope kept safe on a shelf, painted. The painted illustration for the article Do I have to reapply for Extra Help?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/do-i-need-medicare-if-i-have-va-benefits/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/basics/do-i-need-medicare-if-i-have-va-benefits.webp</image:loc><image:caption>Beanbag chairs, painted. The painted illustration for the article Do I need Medicare if I have VA benefits?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/does-medicare-cover-dental-and-vision/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/coverage/does-medicare-cover-dental-and-vision.webp</image:loc><image:caption>Book fairs, painted. The painted illustration for the article Does Medicare cover dental and vision?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/does-medicare-cover-home-health-care/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/coverage/does-medicare-cover-home-health-care.webp</image:loc><image:caption>Bird feeder outside a kitchen window, painted. The painted illustration for the article Does Medicare cover home health care?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/does-medicare-cover-hospice/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/coverage/does-medicare-cover-hospice.webp</image:loc><image:caption>Lifeguard, painted. The painted illustration for the article Does Medicare cover hospice?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/does-medicare-cover-hospital-stays/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/coverage/does-medicare-cover-hospital-stays.webp</image:loc><image:caption>Wheelchair ramp with a timber rail, painted. The painted illustration for the article Does Medicare cover hospital stays?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/does-medicare-cover-long-term-care/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/coverage/does-medicare-cover-long-term-care.webp</image:loc><image:caption>Roadside motels, painted. The painted illustration for the article Does Medicare cover long-term care?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/does-medicare-cover-rehab/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/coverage/does-medicare-cover-rehab.webp</image:loc><image:caption>Roller skates with a metal key, painted. The painted illustration for the article Does Medicare cover rehab?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/does-medicare-cover-the-shingles-vaccine/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/coverage/does-medicare-cover-the-shingles-vaccine.webp</image:loc><image:caption>Camcorder on a shoulder at a school concert, painted. The painted illustration for the article Does Medicare cover the shingles vaccine?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/does-medicare-cover-therapy/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/coverage/does-medicare-cover-therapy.webp</image:loc><image:caption>Sun-faded plastic slide in a back garden, painted. The painted illustration for the article Does Medicare cover therapy?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/does-medicare-cover-you-overseas/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/coverage/does-medicare-cover-you-overseas.webp</image:loc><image:caption>Town clerk, painted. The painted illustration for the article Does Medicare cover you overseas?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/extra-help-income-limits/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/savings/extra-help-income-limits.webp</image:loc><image:caption>A meter reader at work by a doorway, painted, mid task. The painted illustration for the article Extra Help income limits</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/free-medicare-counseling-near-me/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/rights/free-medicare-counseling-near-me.webp</image:loc><image:caption>Home ec teacher, painted. The painted illustration for the article Free Medicare counseling near me</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/help-paying-medicare-costs/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/costs/help-paying-medicare-costs.webp</image:loc><image:caption>Porcelain enamel gas station sign, painted. The painted illustration for the article Help paying Medicare costs</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/hmo-vs-ppo-medicare-advantage/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/plans/hmo-vs-ppo-medicare-advantage.webp</image:loc><image:caption>A jukebox selector at the booth, painted, picking from the board. The painted illustration for the article HMO vs PPO Medicare Advantage</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/how-do-medicare-and-medicaid-work-together/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/basics/how-do-medicare-and-medicaid-work-together.webp</image:loc><image:caption>Drive-in theater at dusk, rows of cars, painted. The painted illustration for the article How do Medicare and Medicaid work together?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/how-does-medicare-work-with-employer-insurance/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/basics/how-does-medicare-work-with-employer-insurance.webp</image:loc><image:caption>Full-service gas stations, painted. The painted illustration for the article How does Medicare work with employer insurance?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/how-many-days-does-medicare-cover-in-a-nursing-home/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/coverage/how-many-days-does-medicare-cover-in-a-nursing-home.webp</image:loc><image:caption>Concert ticket stub in a wallet, painted. The painted illustration for the article How many days does Medicare cover in a nursing home?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/how-much-is-medicare-part-b/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/costs/how-much-is-medicare-part-b.webp</image:loc><image:caption>A pastel diner menu board with plain painted lettering. The painted illustration for the article How much is Medicare Part B?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/how-to-appeal-a-medicare-denial/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/rights/how-to-appeal-a-medicare-denial.webp</image:loc><image:caption>County courthouse, painted. The painted illustration for the article How to appeal a Medicare denial</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/how-to-apply-for-a-medicare-savings-program/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/savings/how-to-apply-for-a-medicare-savings-program.webp</image:loc><image:caption>A church hall set with folding chairs and a coffee urn, painted. The painted illustration for the article How to apply for a Medicare Savings Program</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/how-to-apply-for-extra-help-medicare/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/savings/how-to-apply-for-extra-help-medicare.webp</image:loc><image:caption>A soda fountain counter with chrome stools, painted, a seat waiting. The painted illustration for the article How to apply for Extra Help</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/how-to-avoid-irmaa/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/costs/how-to-avoid-irmaa.webp</image:loc><image:caption>A rolodex beside a corded phone, painted, everything in hand. The painted illustration for the article How to avoid IRMAA</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/how-to-cancel-a-medicare-advantage-plan/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/plans/how-to-cancel-a-medicare-advantage-plan.webp</image:loc><image:caption>A layaway ticket folded into a wallet on a counter, painted. The painted illustration for the article How to cancel a Medicare Advantage plan</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/how-to-change-medicare-part-d-plans/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/plans/how-to-change-medicare-part-d-plans.webp</image:loc><image:caption>A cable box with a sliding channel bar, painted, mid switch. The painted illustration for the article How to change Medicare Part D plans</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/how-to-file-a-complaint-about-a-medicare-plan/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/rights/how-to-file-a-complaint-about-a-medicare-plan.webp</image:loc><image:caption>School gym set up for a book fair, painted. The painted illustration for the article How to file a complaint about a Medicare plan</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/how-to-pay-medicare-premiums/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/costs/how-to-pay-medicare-premiums.webp</image:loc><image:caption>Blizzard, painted. The painted illustration for the article How to pay Medicare premiums</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/how-to-report-medicare-fraud/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/rights/how-to-report-medicare-fraud.webp</image:loc><image:caption>Home office desk with a lamp and files, painted. The painted illustration for the article How to report Medicare fraud</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/how-to-request-a-drug-exception-medicare/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/drugs/how-to-request-a-drug-exception-medicare.webp</image:loc><image:caption>Avon lady, painted. The painted illustration for the article How to request a drug exception with Medicare</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/how-to-sign-up-for-medicare/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/enrollment/how-to-sign-up-for-medicare.webp</image:loc><image:caption>A first apartment corner with milk crate shelving, painted, day one. The painted illustration for the article How to sign up for Medicare</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/how-to-switch-from-medicare-advantage-to-original-medicare/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/plans/how-to-switch-from-medicare-advantage-to-original-medicare.webp</image:loc><image:caption>Bikes dropped on a lawn at dusk, painted, home again. The painted illustration for the article How to switch from Medicare Advantage to Original Medicare</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/how-to-talk-to-medicare-for-my-parent/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/rights/how-to-talk-to-medicare-for-my-parent.webp</image:loc><image:caption>Fuller Brush man, painted. The painted illustration for the article How to talk to Medicare for my parent</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/irmaa-cliff-one-dollar-over/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/costs/irmaa-cliff-one-dollar-over.webp</image:loc><image:caption>A mercury thermometer against its marked line, painted, read closely. The painted illustration for the article IRMAA cliff: one dollar over</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/irmaa-income-brackets/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/costs/irmaa-income-brackets.webp</image:loc><image:caption>A wall of brass post office boxes, painted, every slot its own number. The painted illustration for the article IRMAA income brackets</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/irmaa-two-year-lookback/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/costs/irmaa-two-year-lookback.webp</image:loc><image:caption>Cassette tapes by a writing desk, painted, one mid rewind. The painted illustration for the article IRMAA two year lookback</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/is-medicare-part-a-free/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/costs/is-medicare-part-a-free.webp</image:loc><image:caption>Sunday roast on a chipped platter, painted. The painted illustration for the article Is Medicare Part A free?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/is-my-doctor-in-this-medicare-plan-network/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/plans/is-my-doctor-in-this-medicare-plan-network.webp</image:loc><image:caption>A breadman at the door with his basket, painted, a familiar face. The painted illustration for the article Is my doctor in this Medicare plan network?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/is-my-drug-covered-by-my-medicare-plan/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/drugs/is-my-drug-covered-by-my-medicare-plan.webp</image:loc><image:caption>Speaker hooked on the car window, painted. The painted illustration for the article Is my drug covered by my Medicare plan?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-account-login/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/rights/medicare-account-login.webp</image:loc><image:caption>Wicker peacock chair in a sun room, painted. The painted illustration for the article Medicare account login</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-advantage-open-enrollment-january/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/plans/medicare-advantage-open-enrollment-january.webp</image:loc><image:caption>An artificial tree carried out to the yard after the holidays, painted. The painted illustration for the article Medicare Advantage open enrollment in January</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-annual-wellness-visit-vs-physical/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/coverage/medicare-annual-wellness-visit-vs-physical.webp</image:loc><image:caption>8-track cartridge in the dash, painted. The painted illustration for the article What is the Medicare annual wellness visit?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-appeal-levels/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/rights/medicare-appeal-levels.webp</image:loc><image:caption>Encyclopedia salesman, painted. The painted illustration for the article Medicare appeal levels</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-deductible/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/costs/medicare-deductible.webp</image:loc><image:caption>A locker with a combination dial waiting to be opened, painted. The painted illustration for the article Medicare deductible</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-drug-price-negotiation-list/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/drugs/medicare-drug-price-negotiation-list.webp</image:loc><image:caption>Above-ground pool with a folding ladder, painted. The painted illustration for the article Medicare drug price negotiation list</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-easy-pay/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/costs/medicare-easy-pay.webp</image:loc><image:caption>Juicer with a pulp basket, painted. The painted illustration for the article Medicare Easy Pay</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-general-enrollment-period/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/enrollment/medicare-general-enrollment-period.webp</image:loc><image:caption>A photo booth curtain in an arcade, painted, ready when you are. The painted illustration for the article Medicare General Enrollment Period</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-insulin-cost-cap/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/drugs/medicare-insulin-cost-cap.webp</image:loc><image:caption>Garden hose coiled on a reel, painted. The painted illustration for the article Medicare insulin cost cap</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-observation-status-vs-inpatient/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/coverage/medicare-observation-status-vs-inpatient.webp</image:loc><image:caption>Bank teller behind brass bars, painted. The painted illustration for the article Medicare observation status vs inpatient</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-open-enrollment-dates/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/plans/medicare-open-enrollment-dates.webp</image:loc><image:caption>A small shop set for back to school, painted, the season everyone knows. The painted illustration for the article Medicare open enrollment dates</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-part-b-late-enrollment-penalty/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/enrollment/medicare-part-b-late-enrollment-penalty.webp</image:loc><image:caption>An answering machine with its message count blinking, painted. The painted illustration for the article Medicare Part B late enrollment penalty</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-part-d-drug-tiers/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/drugs/medicare-part-d-drug-tiers.webp</image:loc><image:caption>Picking apples in the fall, painted. The painted illustration for the article Medicare Part D drug tiers</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-part-d-late-enrollment-penalty/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/enrollment/medicare-part-d-late-enrollment-penalty.webp</image:loc><image:caption>A telephone answered while a taped song plays on, painted. The painted illustration for the article Medicare Part D late enrollment penalty</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-part-d-out-of-pocket-cap/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/drugs/medicare-part-d-out-of-pocket-cap.webp</image:loc><image:caption>Green-and-oak living room with a big TV, painted. The painted illustration for the article Medicare Part D out of pocket cap</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-phone-number/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/rights/medicare-phone-number.webp</image:loc><image:caption>Drugstore counter with a pharmacist, painted. The painted illustration for the article Medicare phone number</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-phone-scam/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/rights/medicare-phone-scam.webp</image:loc><image:caption>Carhop tray, painted. The painted illustration for the article Medicare phone scam</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-prescription-payment-plan/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/drugs/medicare-prescription-payment-plan.webp</image:loc><image:caption>Glass block partition by the stairs, painted. The painted illustration for the article Medicare Prescription Payment Plan</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-preventive-services-covered/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/coverage/medicare-preventive-services-covered.webp</image:loc><image:caption>Food court skylight at midday, painted. The painted illustration for the article What preventive services does Medicare cover?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-prior-authorization-for-procedures/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/coverage/medicare-prior-authorization-for-procedures.webp</image:loc><image:caption>Ferris wheel at blue hour, painted. The painted illustration for the article Medicare prior authorization for procedures</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-savings-program-income-change/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/savings/medicare-savings-program-income-change.webp</image:loc><image:caption>A harvest gold fridge with its magnet clutter, painted, the family ledger wall. The painted illustration for the article Medicare Savings Program income change</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-special-election-period-to-change-plans/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/plans/medicare-special-election-period-to-change-plans.webp</image:loc><image:caption>A hatchback with its rear window louvre, packed to move on, painted. The painted illustration for the article Medicare special election period to change plans</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-special-enrollment-period-after-employer-coverage-ends/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/enrollment/medicare-special-enrollment-period-after-employer-coverage-ends.webp</image:loc><image:caption>A first video rental card tucked into a wallet, painted. The painted illustration for the article Medicare Special Enrollment Period after employer coverage ends</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-star-ratings-explained/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/plans/medicare-star-ratings-explained.webp</image:loc><image:caption>A bowling alley with its electronic scoring lit, painted. The painted illustration for the article Medicare star ratings explained</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-step-therapy/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/drugs/medicare-step-therapy.webp</image:loc><image:caption>Grandchild's drawing on a fridge, painted. The painted illustration for the article Medicare step therapy</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-summary-notice-explained/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/rights/medicare-summary-notice-explained.webp</image:loc><image:caption>PTA, painted, in period light. The painted illustration for the article Medicare Summary Notice explained</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-telehealth-coverage/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/coverage/medicare-telehealth-coverage.webp</image:loc><image:caption>Thanksgiving table with a folding extension, painted. The painted illustration for the article Does Medicare cover telehealth?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-under-65-disability/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/enrollment/medicare-under-65-disability.webp</image:loc><image:caption>China cabinets, painted. The painted illustration for the article Medicare Under 65 With a Disability</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-when-retiring/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/transitions/medicare-when-retiring.webp</image:loc><image:caption>Decorating the Christmas tree together, painted. The painted illustration for the article Medicare when retiring</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-with-als/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/enrollment/medicare-with-als.webp</image:loc><image:caption>Vinyl records, painted. The painted illustration for the article Medicare With ALS</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medicare-with-kidney-failure-esrd/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/enrollment/medicare-with-kidney-failure-esrd.webp</image:loc><image:caption>Track lighting on a white ceiling, painted. The painted illustration for the article Medicare With Kidney Failure (ESRD)</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medigap-open-enrollment-period/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/plans/medigap-open-enrollment-period.webp</image:loc><image:caption>A ticket booth cashier at the open window, painted, mid task. The painted illustration for the article Medigap open enrollment period</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/medigap-plan-g-vs-plan-n/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/plans/medigap-plan-g-vs-plan-n.webp</image:loc><image:caption>A snack bar at intermission, painted, two treats weighed. The painted illustration for the article Medigap Plan G vs Plan N</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/original-medicare-vs-medicare-advantage/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/basics/original-medicare-vs-medicare-advantage.webp</image:loc><image:caption>Fuzzy dice and a dashboard saint above a wide dash, painted. The painted illustration for the article Original Medicare vs Medicare Advantage</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/part-d-irmaa-surcharge/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/costs/part-d-irmaa-surcharge.webp</image:loc><image:caption>An air freshener hanging from a rear-view mirror, painted. The painted illustration for the article Part D IRMAA surcharge</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/part-d-prior-authorization-for-medication/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/drugs/part-d-prior-authorization-for-medication.webp</image:loc><image:caption>Vertical stripe wallpaper border, painted. The painted illustration for the article Part D prior authorization for medication</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/preferred-pharmacy-medicare-part-d/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/drugs/preferred-pharmacy-medicare-part-d.webp</image:loc><image:caption>Promotional drinking glass from a filling station, painted. The painted illustration for the article Preferred pharmacy Medicare Part D</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/prescription-assistance-programs-for-seniors/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/costs/prescription-assistance-programs-for-seniors.webp</image:loc><image:caption>Yearbook open on a bedroom floor, painted. The painted illustration for the article Prescription assistance programs for seniors</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/qmb-slmb-qi-income-limits/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/savings/qmb-slmb-qi-income-limits.webp</image:loc><image:caption>A polio clinic volunteer at the station, painted, mid task. The painted illustration for the article QMB, SLMB and QI income limits</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/roth-conversion-irmaa-impact/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/costs/roth-conversion-irmaa-impact.webp</image:loc><image:caption>An exercise bike beside a bright window, painted, effort now for later. The painted illustration for the article Roth conversion IRMAA impact</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/someone-asked-for-my-medicare-number/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/rights/someone-asked-for-my-medicare-number.webp</image:loc><image:caption>Aerobics mat rolled in a corner, painted. The painted illustration for the article Someone asked for my Medicare number</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/ssa-44-form-irmaa-appeal/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/costs/ssa-44-form-irmaa-appeal.webp</image:loc><image:caption>A telephone and coin box mid collect call, painted. The painted illustration for the article SSA-44 form: IRMAA appeal</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/state-pharmaceutical-assistance-program/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/costs/state-pharmaceutical-assistance-program.webp</image:loc><image:caption>Bingo caller, painted. The painted illustration for the article State Pharmaceutical Assistance Program</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/switching-from-employer-insurance-to-medicare/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/enrollment/switching-from-employer-insurance-to-medicare.webp</image:loc><image:caption>Keys and boxes at the threshold of a first home, painted. The painted illustration for the article Switching from employer insurance to Medicare</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/what-does-medicare-part-b-cover/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/coverage/what-does-medicare-part-b-cover.webp</image:loc><image:caption>Wood-panelled minivan in a driveway, painted. The painted illustration for the article What does Medicare Part B cover?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/what-happens-if-i-miss-a-medicare-premium-payment/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/costs/what-happens-if-i-miss-a-medicare-premium-payment.webp</image:loc><image:caption>Grain elevator, painted. The painted illustration for the article What happens if I miss a Medicare premium payment</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/what-if-i-missed-my-medicare-enrollment-deadline/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/enrollment/what-if-i-missed-my-medicare-enrollment-deadline.webp</image:loc><image:caption>A record player at the end of the side, needle riding out, painted. The painted illustration for the article What if I missed my Medicare enrollment deadline?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/what-is-an-abn-medicare/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/rights/what-is-an-abn-medicare.webp</image:loc><image:caption>Housekeeper, painted. The painted illustration for the article What is an ABN in Medicare</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/what-is-medicare-advantage/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/basics/what-is-medicare-advantage.webp</image:loc><image:caption>A first microwave in a rented kitchen, painted, box fresh. The painted illustration for the article What is Medicare Advantage?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/what-is-medicare-part-d/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/basics/what-is-medicare-part-d.webp</image:loc><image:caption>A plain cereal box with its mail-away token, painted. The painted illustration for the article What is Medicare Part D?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/what-medicare-paperwork-should-i-keep/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/rights/what-medicare-paperwork-should-i-keep.webp</image:loc><image:caption>Bicentennial parade on Main Street, painted. The painted illustration for the article What Medicare paperwork should I keep</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/when-do-i-sign-up-for-medicare/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/enrollment/when-do-i-sign-up-for-medicare.webp</image:loc><image:caption>Kids with sparklers in the back yard at golden hour, painted. The painted illustration for the article When do I sign up for Medicare?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/article/which-medicare-plan-should-i-choose/</loc><lastmod>2026-08-14</lastmod><image:image><image:loc>https://medicarebrief.news/images/basics/which-medicare-plan-should-i-choose.webp</image:loc><image:caption>A thick wish book catalog open mid browse, painted. The painted illustration for the article Which Medicare plan should I choose?</image:caption></image:image></url>
  <url><loc>https://medicarebrief.news/basics/</loc><lastmod>2026-08-14</lastmod></url>
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</urlset>
