The RAMP Act (Repair Abuses of MSP Payments Act) is designed to give people a legal right to sue if their health insurance company fails to pay what it's supposed to pay. Here's what that means in practical terms: When someone has both Medicare and a private group health insurance plan through their employer, there are rules about which plan pays first and how much each should cover. This bill allows people to take their insurance company to court and seek damages if the company doesn't follow these payment rules correctly.

This primarily affects people who are covered by both Medicare and an employer-sponsored health plan—often retirees or people with disabilities. Right now, if an insurance company improperly handles these payments, people have limited ways to hold them accountable. The RAMP Act changes that by creating a private cause of action, which is legal language for "the right to sue." This gives individuals a stronger tool to fight back against insurance companies that aren't paying their fair share, potentially recovering money they lost due to improper payment handling.

RAMP Act

Bilirakis, Gus M.

Repair Abuses of MSP Payments Act or the RAMP Act This bill restricts the private right of action against insurance plans that do not provide appropriate primary payment in cases in which Medicare is a secondary payer. Current law allows for a private right of action against primary plans that do not provide appropriate primary payment in cases in which Medicare is a secondary payer; this provision applies to group health plans, workers' compensation plans, automobile or liability insurance plans, and no-fault insurance plans. The bill limits this provision to group health plans.