GUARD Veterans’ Health Care Act
Summary
The GUARD Veterans’ Health Care Act aims to eliminate what sponsors describe as a loophole where the federal government pays twice for a veteran's medical care. Currently, when a veteran is enrolled in both the Department of Veterans Affairs (VA) health system and a private Medicare Advantage or Part D plan, the VA often covers the cost of treatment while the private insurer continues to receive government premiums for that same veteran. This bill would require these private insurance plans to reimburse the VA for services provided to dually enrolled veterans, starting in 2026.
In addition to Medicare reimbursements, the legislation proposes to strengthen the VA's ability to collect payments from other third-party insurers, such as those involved in workers' compensation or automobile accidents. It would establish strict timelines for insurance companies to pay claims, introduce interest on late payments, and allow for civil penalties against companies that fail to comply. The goal is to ensure that healthcare funds follow the actual provider of care, potentially recovering billions of dollars that could be reinvested into VA hospitals and clinics.