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      <image:title>Blog | Benefits Analysis Corporation - Your Guide to Choosing an Individual Health Insurance Plan - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2023-12-13</lastmod>
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      <image:title>Home - Who we are</image:title>
      <image:caption>We started as a one-person agency in Troy, OH in 1972. We’ve grown into one of the region's largest health insurance and employee benefits agencies in the Dayton area. With our decades of experience in the industry, we know exactly how to help our clients. Whether you need group health insurance for your employees or you need individual insurance, we can help you. Contact Benefits Analysis Corporation today to find out more about our variety of plans.</image:caption>
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      <image:title>Home - Getting great health insurance in Troy, OH takes an expert</image:title>
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      <image:title>Home - Keeping you informed</image:title>
      <image:caption>Visit our resource center for information on compliance, health care reform, claims inquiries, Formfire, and how to find a medical, dental, or vision provider. You can also find news articles, customer service phone numbers, and a glossary of terms.</image:caption>
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    <loc>https://www.benefitsanalysis.com/partners</loc>
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    <lastmod>2020-06-25</lastmod>
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      <image:title>Partners</image:title>
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    <lastmod>2026-01-05</lastmod>
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      <image:title>Who We Are</image:title>
      <image:caption>Benefits Analysis Corporation was founded by John J. Dugan in Downtown Troy Ohio in 1972. John started as a one-person agency and grew it into one of the largest in the Dayton Region.</image:caption>
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  <url>
    <loc>https://www.benefitsanalysis.com/the-bac-difference</loc>
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    <lastmod>2023-12-13</lastmod>
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      <image:title>The BAC Difference - Innovate</image:title>
      <image:caption>Photo by NanoStockk/iStock / Getty Images</image:caption>
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      <image:title>The BAC Difference</image:title>
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    <image:image>
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      <image:title>The BAC Difference - Plan for the future.</image:title>
      <image:caption>Group life and disability</image:caption>
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  <url>
    <loc>https://www.benefitsanalysis.com/contact-us</loc>
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    <lastmod>2025-07-25</lastmod>
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  <url>
    <loc>https://www.benefitsanalysis.com/individual-health-insurance</loc>
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    <lastmod>2023-12-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592486157348-AHF02LXUPUMDE2IPCRTS/image-asset.jpeg</image:loc>
      <image:title>Individual Health - Types of coverage</image:title>
      <image:caption>Our agents help individuals and families with the following types of coverage: Obamacare/ACA Off-Exchange Short-Term Ministry Sharing/Non-Obamacare Call one of our brokers today for more information</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592487215951-C1AQOMH7AZ720CPFR5FP/image-asset.jpeg</image:loc>
      <image:title>Individual Health - Think outside the box</image:title>
      <image:caption>Our agents realize that not everyone needs a Cadillac. Price matters. We quote and sell alternative health plans including Short-Term, Health Sharing/Christian Sharing, and Off-Exchange plans. Contact us for more information.</image:caption>
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    <image:image>
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      <image:title>Individual Health - Browse anonymously</image:title>
      <image:caption>Our quote system, HealthSherpa allows you to get quotes without providing personal information like your phone number and email address. We will never sell your information or call without your consent.</image:caption>
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    <image:image>
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      <image:title>Individual Health</image:title>
    </image:image>
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  <url>
    <loc>https://www.benefitsanalysis.com/life-and-disability</loc>
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    <lastmod>2020-06-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592420783930-67TK9YFGTTJGNTPRT4HP/image-asset.jpeg</image:loc>
      <image:title>Life and Disability - Work with a broker you trust.</image:title>
      <image:caption>The Brokers at Benefits Analysis Corporation sell all the major carriers in Ohio that provide group life insurance. We're impartial brokers and find the company that works best for your specific situation.</image:caption>
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    <image:image>
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      <image:title>Life and Disability - Group life.</image:title>
      <image:caption>Typically Group Life Insurance is group-rated, which means the price isn't based on lifestyle choices or preexisting medical conditions.  As a result, the premiums can be much less than purchasing individual life insurance.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Life and Disability - Group disability</image:title>
      <image:caption>No one expects to suffer a debilitating injury and lose their ability to work. But it happens.  With Group Disability Insurance you can give your employees the peace of mind that if something unexpected happens they are covered. You are covered. Please contact us for more information.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.benefitsanalysis.com/individual-dental-vision</loc>
    <changefreq>daily</changefreq>
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    <lastmod>2020-06-25</lastmod>
    <image:image>
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      <image:title>Individual Dental and Vision</image:title>
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      <image:title>Individual Dental and Vision</image:title>
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  <url>
    <loc>https://www.benefitsanalysis.com/group-health-insurance</loc>
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    <lastmod>2021-07-29</lastmod>
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      <image:title>Group Health - Service Area</image:title>
      <image:caption>We're located in Downtown Troy, Ohio and we service all of Ohio and Kentucky including the surrounding Dayton, Ohio Counties and cities: Miami County, Montgomery County, Shelby County, Preble County, Darke County, Greene County. We have group health insurance clients in Ohio in Troy, Piqua, Tipp City, Vandalia, Dayton, Sidney, Russia, Columbus, Portsmouth, and many other cities in Ohio. We also service cities in Kentucky like Louisville, Lexington, Irvine, Lagrange, Oldham, and Jefferson Counties. Whether you need group coverage in Kentucky or Ohio, our team is ready and waiting to help you.</image:caption>
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      <image:title>Group Health - Service</image:title>
      <image:caption>We understand the importance of offering the group health insurance Tipp City, OH trusts and our dedicated team of brokers is here to help you navigate the health care market. Don't struggle with the system on your own. Let our team with over 25 years of experience get you the group health insurance coverage that you need to feel safe and comfortable. Get in touch with our team today to learn more about your coverage options.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.benefitsanalysis.com/group-dental</loc>
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    <lastmod>2023-12-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592420368155-FEZ6PMA08JQ6000HCLZP/image-asset.jpeg</image:loc>
      <image:title>Group Dental Insurance - See the dentists you know and trust.</image:title>
      <image:caption>We understand the importance between your employees and their dentist. We work with all the regional dental providers to make sure you’re covered. Contact us today to get more information.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.benefitsanalysis.com/glossary</loc>
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    <lastmod>2020-06-16</lastmod>
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  <url>
    <loc>https://www.benefitsanalysis.com/compliance</loc>
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    <lastmod>2023-12-13</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592339281587-ZEW9FV3S091G30OEEE49/image-asset.jpeg</image:loc>
      <image:title>Compliance - We’ll take it from here</image:title>
      <image:caption>Rules and regulations for Health Insurance and Employee Benefits change rapidly.  Between ERISA, Affordable Care Act, Medicare reporting, COBRA, 1094 and 1095 forms, it's almost impossible for companies to keep up with the changes. We've invested in systems that allow us to produce compliance documents and we hired a full-time compliance officer.  We provide all compliance documents and reporting requirements to our clients for NO COST!</image:caption>
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    <image:image>
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      <image:title>Compliance - ERISA Wrap Documents</image:title>
      <image:caption>Many employers assume that insurance contracts for fully insured products are written plan documents. Insurance companies, however, draft their contracts to comply with state insurance laws, and, as a result, the contracts do not contain many of the ERISA-required or recommended provisions.  An ERISA Wrap Document contains all the necessary language to comply with ERISA rules. Our Compliance Department provides ERISA Wrap Documents at no cost!</image:caption>
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      <image:title>Compliance - Form 5500</image:title>
      <image:caption>ERISA generally requires group health plans to annually file a report with the U.S. Department of Labor that contains financial and other information about the plan. This filing is made via Form 5500, and must be filed electronically by July 31</image:caption>
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    <image:image>
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      <image:title>Compliance - Employee Handbooks</image:title>
      <image:caption>An employee handbook is an important tool you can use to effectively communicate information regarding your company's policies, practices and employee benefits. A well-written handbook sets forth your expectations for your employees, and describes what they can expect from your company. Our Software allows us to create state and federal-compliant employee handbooks.</image:caption>
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      <image:title>Compliance - Section 125 / POP Plan</image:title>
      <image:caption>A Section 125 plan is the only means by which an employer can offer employees a choice between taxable and nontaxable benefits without the choice causing the benefits to become taxable. A plan offering only a choice between taxable benefits is not a section 125 plan. We provide Section 125 / Cafeteria plans at no cost to our clients</image:caption>
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      <image:title>Compliance - 1094 and 1095 Reporting</image:title>
      <image:caption>The Affordable Care Act requires insurers, self-insuring employers and other parties that provide minimum essential health coverage to report information on this coverage to the Internal Revenue Service (IRS) and to covered individuals (referred to as Section 6055 reporting). We provide 1094 and 1095 forms at NO COST to our clients!</image:caption>
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      <image:title>Compliance</image:title>
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  </url>
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    <lastmod>2020-06-25</lastmod>
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      <image:title>Health Care Reform - COVID-19 Updates</image:title>
      <image:caption>Get coronavirus updates from your insurance company Anthem United Healthcare Medical Mutual of Ohio Humana AARP</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.benefitsanalysis.com/formfire</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-06-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592307960108-73BRU32GDADEOBOCFI3Y/0SttQhDT_400x400.png</image:loc>
      <image:title>Formfire</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.benefitsanalysis.com/group-vision</loc>
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    <lastmod>2023-12-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592337909165-L8TXMSJFXI6K5WVX8VU7/vision3.png</image:loc>
      <image:title>Group Vision</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592337955009-CKA1BG0RYE4O5L8WZOJL/image-asset.jpeg</image:loc>
      <image:title>Group Vision</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592338002991-3K1MX22QHG0ZIV8A94LY/image-asset.jpeg</image:loc>
      <image:title>Group Vision</image:title>
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  </url>
  <url>
    <loc>https://www.benefitsanalysis.com/find-a-doctor</loc>
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    <lastmod>2020-06-25</lastmod>
  </url>
  <url>
    <loc>https://www.benefitsanalysis.com/customer-service</loc>
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    <lastmod>2020-06-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1589847762019-6FVSEHEZWIGMCJ5QASPI/image-asset.jpeg</image:loc>
      <image:title>Customer Service - Customer Service Phone Numbers</image:title>
      <image:caption>AARP/ United Healthcare 1-877-699-5710 Anthem Blue Cross and Blue Shield of Ohio: 1-888-613-6097 United Healthcare 1-866-873-3902 Aetna 1-800-694-3258 Humana 1-800-833-6917 Medica Mutual of Ohio 1-800-242-1936 Benefits Analysis Corporation 1-937-335-5751</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.benefitsanalysis.com/health-insurance</loc>
    <changefreq>daily</changefreq>
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    <lastmod>2020-06-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592402030010-Y0GIPSRRA62M4Z2LWQ6R/IMG_0913%2Bcopy%2B2.jpg</image:loc>
      <image:title>Health Insurance - Group health.</image:title>
      <image:caption>Group Health Insurance is one of the best benefits companies can offer to attract and retain talented employees. We go beyond placing our clients with the next-best insurance product. We’re experts in self-funding, level-funding, Multiple Employer Welfare Arrangements (MEWA’s), ACA group plans. We uncover any options to bring you savings.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592418766436-CI3ZU94QK59L2LGOH36S/image-asset.jpeg</image:loc>
      <image:title>Health Insurance - Medicare.</image:title>
      <image:caption>Our agents are Licensed and AHIP certified, which lets us help you with Medicare Supplements, Advantage, and Part D prescription coverage. Stop getting frustrated and call us today.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.benefitsanalysis.com/blog</loc>
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    <lastmod>2021-10-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1594378443903-NVXHD2295JYG02DN5E6D/michael-dugan_480xx4084-5445-0-0.jpg</image:loc>
      <image:title>Blog</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1593176729758-LSFSJY4IDUJY9K1FRHSD/michael-dugan_480xx270-360-9-0.png</image:loc>
      <image:title>Blog</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1594645147007-CNG3TIVSQT7DPA1CEWQ2/20140301_Trade-151_0124-copy.jpg</image:loc>
      <image:title>Blog</image:title>
      <image:caption>“Was recommended by friends. Their description of your service was right on. I felt very comfortable and was professionally informed. A burden has been lifted from my shoulders with your direction. Thank you, Karen” -Karen from Piqua, Ohio. Health Insurance / Medicare client.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1594648897357-ES5UYSGEOG5D7YN5XISE/Mark.png</image:loc>
      <image:title>Blog</image:title>
      <image:caption>“Service Was pleasant and very helpful. I received my card in plenty of time to use December 1, 2017. I can’t tell you how nice it was to use on the first and pay so little fora. very expensive inhaler. Thank you.” -Marie, Covington Ohio. Health Insurance / Medicare client</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.benefitsanalysis.com/dental-and-vision</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-06-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592419482547-6UVI1Y6HPEVAOKYAVS0R/image-asset.jpeg</image:loc>
      <image:title>Dental and Vision - Individual dental.</image:title>
      <image:caption>If you don't get Dental Insurance from your employer or you're self-employed Individual / Family Dental Insurance is a great way to protect your smile!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592419617872-WA56216U1CC2B0ZJNWJ8/image-asset.jpeg</image:loc>
      <image:title>Dental and Vision - Group dental.</image:title>
      <image:caption>Group Dental Insurance is a valuable Employee Benefit that can be offered to employees on a pre-tax basis. The premiums and benefits are usually better with a group dental plan compared to an Individual Dental plan. Contact us for more information!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592419808146-QTIA33AJWGSCFY7Z8301/image-asset.jpeg</image:loc>
      <image:title>Dental and Vision - Individual vision.</image:title>
      <image:caption>Individuals who don't get Vision Insurance from an employer can purchase an Individual Vision Insurance Plan. Please contact one of the Brokers at Benefits Analysis Corporation to get more information on Vision Insurance.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592420025712-WVH7X7MC723RCQ5LLYMR/image-asset.jpeg</image:loc>
      <image:title>Dental and Vision - Group vision.</image:title>
      <image:caption>Vision Insurance is a great benefit Employers can offer to attract and retain Valuable Employees. Group Vision is a vision plan purchased by an employer and offered to employees.  The premiums with Group Vision are tax-deductible to Employers and Employees. Please contact one of the Brokers at Benefits Analysis Corporation to get more information on Group Vision Insurance.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.benefitsanalysis.com/resources-home</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-07-10</lastmod>
  </url>
  <url>
    <loc>https://www.benefitsanalysis.com/medicare</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-12-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592483820436-F8WPR0V4Q37ZJ9Q61P3M/image-asset.jpeg</image:loc>
      <image:title>Medicare - Basics.</image:title>
      <image:caption>Individuals over the age 65 or those who have been on disability for more than two years qualify for Medicare. There are 2 main parts to Original Medicare, Part A (hospital) and Part B (doctors). There are also products that you can purchase to supplement Original Medicare, Medicare Supplement, Medicare Advantage and Part D prescription coverage. Our licensed and AHIP certified brokers can help you determine which coverage you need.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592483365699-21GBNUGBS8FIM1D2HS9G/image-asset.jpeg</image:loc>
      <image:title>Medicare - Medicare Supplement.</image:title>
      <image:caption>Medicare Supplements help pay for out-of-pocket expenses not covered by original Medicare. There are dozens of companies that sell Medicare Supplements and our brokers are appointed with all of them! We can weed through the bad ones and find the good ones. Click below or call us today for help.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592484046180-IJJVB4KOJPYRZX8UVGVE/front_door+copy.png</image:loc>
      <image:title>Medicare - Medicare advantage.</image:title>
      <image:caption>A Medicare Advantage plan, also called Part C, is a health plan sold by a private company. When you sign up for a Medicare Advantage plan you use the private insurance companies’ benefits instead of original Medicare. Most Medicare Advantage plans include Doctors, Hospitals, and Prescription coverage. Our agents are certified to sell all the major Medicare Advantage plans available in our area.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592483877276-5XY38A3F6JYQYXSR2TFQ/image-asset.jpeg</image:loc>
      <image:title>Medicare - Part D.</image:title>
      <image:caption>Part D is optional prescription coverage. The Part D prescription plan is administered by private insurance companies but regulated by the federal government. There are many options when selecting a prescription plan. Our agents are licensed and certified to sell all the Part D prescription plans in the market. Please contact or call us today for help finding the best plan for you.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.benefitsanalysis.com/our-service-area</loc>
    <changefreq>daily</changefreq>
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    <lastmod>2020-06-30</lastmod>
  </url>
  <url>
    <loc>https://www.benefitsanalysis.com/reviews</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-12-13</lastmod>
  </url>
  <url>
    <loc>https://www.benefitsanalysis.com/ohiohealthy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-04-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1617280994612-VR1GZ2ATP9FRHC2I6F98/download.png</image:loc>
      <image:title>OhioHealthy</image:title>
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  </url>
  <url>
    <loc>https://www.benefitsanalysis.com/faq</loc>
    <changefreq>daily</changefreq>
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    <lastmod>2021-08-19</lastmod>
  </url>
  <url>
    <loc>https://www.benefitsanalysis.com/tipp-city-health</loc>
    <changefreq>daily</changefreq>
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    <lastmod>2021-12-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592486157348-AHF02LXUPUMDE2IPCRTS/image-asset.jpeg</image:loc>
      <image:title>Tipp City Health - Types of coverage</image:title>
      <image:caption>Our agents help individuals and families with the following types of coverage: Obamacare/ACA Off-Exchange Short-Term Ministry Sharing/Non-Obamacare Call one of our brokers today for more information</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592487215951-C1AQOMH7AZ720CPFR5FP/image-asset.jpeg</image:loc>
      <image:title>Tipp City Health - Think outside the box</image:title>
      <image:caption>Our agents realize that not everyone needs a Cadillac. Price matters. We quote and sell alternative health plans including Short-Term, Health Sharing/Christian Sharing, and Off-Exchange plans. Contact us for more information.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592486561288-XTU3SXQI580HYHEOZ1MR/image-asset.jpeg</image:loc>
      <image:title>Tipp City Health - Browse anonymously</image:title>
      <image:caption>Our quote system, HealthSherpa allows people in Tipp City Ohio to get quotes without providing personal information like your phone number and email address. We will never sell your information or call without your consent.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/1592487296509-DA9K7LO6L30WW5FALK34/image-asset.jpeg</image:loc>
      <image:title>Tipp City Health</image:title>
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    <loc>https://www.benefitsanalysis.com/stocksdale</loc>
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    <lastmod>2023-09-18</lastmod>
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      <image:title>Stocksdale</image:title>
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    <image:image>
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      <image:title>Stocksdale</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ee11fca9d726110bef1b990/5e31e0c1-1322-4568-9a23-916ad778e968/farm.jpeg</image:loc>
      <image:title>Stocksdale</image:title>
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  </url>
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    <lastmod>2025-07-25</lastmod>
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