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    <loc>https://www.prosperitybenefits.com/welcome</loc>
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    <lastmod>2025-04-08</lastmod>
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      <image:title>Welcome - What We Do</image:title>
      <image:caption>We empower employers and their staff to break free of a broken plan model, allowing them instead to approach health more proactively and wholistically, while also saving money. Learn More</image:caption>
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      <image:title>Welcome - 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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      <image:title>Welcome</image:title>
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    <loc>https://www.prosperitybenefits.com/get-in-touch</loc>
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    <lastmod>2025-04-08</lastmod>
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      <image:title>Get in Touch</image:title>
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  <url>
    <loc>https://www.prosperitybenefits.com/about</loc>
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    <lastmod>2025-05-13</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/750932e4-4bc8-47fc-86f7-e8fc96495c86/heart-scope-square.jpg</image:loc>
      <image:title>About</image:title>
      <image:caption>“This could be a testimonial here” — John Smith</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/5ef294a6-63d0-452c-b6ec-98a2e2a40961/Niko_Georgia_Headshots-126.jpg</image:loc>
      <image:title>About - Mission-Aligned Partner</image:title>
      <image:caption>Georgia joined Prosperity Benefits as Client Advocate in 2024 and is actively working to learn how to build and maintain high-performance health plans that allow employers to break free from the broken status quo of get less, pay more, each year!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/b80e1fc6-9391-423a-86a3-bf6325d689bc/Niko_Georgia_Headshots-64+copy.jpeg</image:loc>
      <image:title>About - Your Independent Advocate</image:title>
      <image:caption>“Owning my own firm allows me to have a direct connection with all of my groups and the autonomy necessary to implement radically innovative plans to best help my client partners save money.”</image:caption>
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      <image:title>About</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/1741955813614-RDGMG1YNRI8IAX1RBCF2/Screenshot+2025-03-14+at+1.27.59%E2%80%AFPM.png</image:loc>
      <image:title>About</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/1741956053485-VIF939DKF8WHQBELUF1K/ProsperityBenefits_Blue-Background.png</image:loc>
      <image:title>About</image:title>
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  <url>
    <loc>https://www.prosperitybenefits.com/hw-consulting</loc>
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    <lastmod>2025-03-29</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/1490644490142-THN3AQTPDOBKHY7ZVYPS/Screen+Shot+2017-03-27+at+3.50.35+PM.png</image:loc>
      <image:title>H&amp;W Consulting</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/1486606283155-PGTO27UJK5UELEKOU0KS/image-asset.jpeg</image:loc>
      <image:title>H&amp;W Consulting</image:title>
      <image:caption>Photo by BeeBen14/iStock / Getty Images</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/1486606306409-ETEGC29GYQJDXPZ0RCRY/image-asset.jpeg</image:loc>
      <image:title>H&amp;W Consulting</image:title>
      <image:caption>Photo by i_frontier/iStock / Getty Images</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/1485878751572-QW42DMGUISO6PNBC78J7/Telemed+Icon</image:loc>
      <image:title>H&amp;W Consulting</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/1589574705346-ELXKOOMVOQZLEKREEMEA/image-asset.jpeg</image:loc>
      <image:title>H&amp;W Consulting - Cost Containment Solutions</image:title>
      <image:caption>We face reality when it comes to what is truly important to our partner clients; actually controlling their health plan costs. If you have ever seen a fancy capabilities presentation that is followed by a spreadsheet, then you know how frustrating it is to be sold a bill of goods. Insurance problems cannot be solved with insurance products and yet most brokers simply quote the same market with identically bad results year over year. Prosperity Benefits has curated a best-in-class list of vendors that control your costs so much that is possible to do. For example, 6 to 8% of your population spends 80% of your dollars. Is that segment being closely managed? Do unnecessary surgeries occur 30% of the time, as is the industry average? Are 30% of your staff’s cancer diagnoses and treatment plans inaccurate? That is the industry average…! Do your staff have a way to get primary care at no cost to them, or to source their prescriptions at $0? Do your staff know how to truly shop for healthcare, and are they rewarded for making those decisions. You don’t need a big broker, or a small one, or a regional, or one who knows somebody; you need an effective and dedicated Consultant who has the courage and knowledge to effectively manage your claims risk!</image:caption>
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      <image:title>H&amp;W Consulting</image:title>
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    <lastmod>2017-06-08</lastmod>
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      <image:title>www.prosperitybenefits.com/3-5</image:title>
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    <lastmod>2017-03-16</lastmod>
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      <image:title>Data</image:title>
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      <image:title>Data</image:title>
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    <lastmod>2020-05-15</lastmod>
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      <image:title>Tech Industry</image:title>
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      <image:title>Tech Industry</image:title>
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    <image:image>
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      <image:title>Tech Industry</image:title>
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    <loc>https://www.prosperitybenefits.com/hospitality-healthcare-options</loc>
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    <lastmod>2020-05-15</lastmod>
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      <image:title>Individual Healthcare Options</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/1585009374990-JWE0VGHC1XDI75CFDF3K/health-insurance.jpg</image:loc>
      <image:title>Individual Healthcare Options</image:title>
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    <image:image>
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      <image:title>Individual Healthcare Options - Finding Cash Prices</image:title>
      <image:caption>You can pay cash for medical care, if you need to, and again, it may be available at a lower cost out of your pocket depending upon your insurance network and their negotiated discount with facilities and providers. Become a healthcare consumer and use these resources to prospectively learn pricing before a planned medical event takes place. Self Pay Resources Surgery Center of Oklahoma Guroo</image:caption>
    </image:image>
    <image:image>
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      <image:title>Individual Healthcare Options</image:title>
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    <image:image>
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      <image:title>Individual Healthcare Options - Direct Primary Care Options</image:title>
      <image:caption>Having a relationship with a primary care physician is important and it is always best to find one in your local market. If you prefer a tech-based solution, several exist: 98point6 Sherpaa Find a Local Direct Primary Care Physician</image:caption>
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      <image:title>Individual Healthcare Options - Prescription Savings Card</image:title>
      <image:caption>Pharmacy is complex and depending upon your health plan’s pharmacy benefit administrator contract reads, it may or may not provide the best pricing for your prescriptions. It pays to do research. You may ask the pharmacy to run your CleverRX card instead of your insurance if you already know it is cheaper to use the alternate program. You can ask your pharmacist what the cash price is or what discounts they have. Get your CleverRX Card here! Other Useful Resources Good Shepherd RX Good RX Good RX Gold</image:caption>
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      <image:title>Individual Healthcare Options</image:title>
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  </url>
  <url>
    <loc>https://www.prosperitybenefits.com/healthrosetta</loc>
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    <lastmod>2020-11-29</lastmod>
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      <image:title>Health Rosetta</image:title>
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      <image:title>Health Rosetta</image:title>
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  <url>
    <loc>https://www.prosperitybenefits.com/prosperity-plus</loc>
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    <lastmod>2025-04-06</lastmod>
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      <image:title>Prosperity Plus - 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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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/1589753021536-16BA4SC2GIXPSY1I7HQ5/image-asset.jpeg</image:loc>
      <image:title>Prosperity Plus</image:title>
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  <url>
    <loc>https://www.prosperitybenefits.com/programs</loc>
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    <lastmod>2025-03-14</lastmod>
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      <image:title>SFBI - Community Owned Health Plans</image:title>
      <image:caption>Buy Local. Control Insurance Costs. Helping employers control health insurance costs with high-quality, low-cost access to local healthcare. Our innovation: We build custom health plans to better serve area employers and their economy. Given 95% or more of healthcare is local, doesn’t it make sense to keep the dollars in the local community? We think so!</image:caption>
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      <image:title>SFBI</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/1589752839611-O0VURPZFBSDNHL3A8P3O/SFBI+Logo.png</image:loc>
      <image:title>SFBI</image:title>
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  <url>
    <loc>https://www.prosperitybenefits.com/why-choose-us</loc>
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    <lastmod>2025-04-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/75cfc48d-c1ac-47d0-8fa6-124d19b8f62c/Underwriting-icon_ProsperityBenefits.png</image:loc>
      <image:title>Consultant Considerations</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/5b39959f-d8c0-4dfa-8b45-3bd5e5d6cb29/Pharmacy-Solutions-icon_ProsperityBenefits.png</image:loc>
      <image:title>Consultant Considerations</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/c625f82f-55dc-4caf-907b-1fd6bfde293e/Strategy-icon_ProsperityBenefits.png</image:loc>
      <image:title>Consultant Considerations</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/1842f45e-2682-448b-acaa-75c12c0e9e38/DPC-icon_ProsperityBenefits.png</image:loc>
      <image:title>Consultant Considerations</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/4086cf68-cf57-48ab-b6af-f4e9ee13228f/Handshake-blue-Sq.jpg</image:loc>
      <image:title>Consultant Considerations - Brokerage and Plan Dynamics</image:title>
      <image:caption>Over the years, we have come to realize actively managed health plans require more time and attention, which is why we partner deeply with clients. Our product is built upon the advice that we provide. Many brokerages are instead in the size business, meaning they must create efficiencies to be able to scale and serve more and more. Custom programs don’t fit within that model, but it is these tailored programs that work to solve the decades-old problem with traditional healthcare and insurance models.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/d48bf023-6c94-4551-8abe-bf4cb50455ba/Supply-Chain-icon_ProsperityBenefits.png</image:loc>
      <image:title>Consultant Considerations</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/bca97120-0ccf-4fb0-8650-c9838eb83cb5/Lightbulb.png</image:loc>
      <image:title>Consultant Considerations - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/59f877bc-c5bd-4088-b75a-3315ee74a2db/Care-Contiuum-icon_ProsperityBenefits.png</image:loc>
      <image:title>Consultant Considerations</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/1741955955752-A474BL25H5QYS3F78S01/Screenshot+2025-03-14+at+1.27.59%E2%80%AFPM.png</image:loc>
      <image:title>Consultant Considerations</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.prosperitybenefits.com/case-studies</loc>
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    <lastmod>2025-04-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/fdf25bf7-9022-4040-988f-55ab2e706205/pexels-yankrukov-7793741.jpg</image:loc>
      <image:title>Case Studies - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/4708209b-6d7c-42a7-8352-256340114f85/pexels-jopwell-2422293.jpg</image:loc>
      <image:title>Case Studies - 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>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/588cb2b5b3db2b428d83e17b/c45fd859-d262-4f96-a478-2fab746c2152/pexels-rdne-7947849.jpg</image:loc>
      <image:title>Case Studies</image:title>
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