GUARD Veterans’ Health Care Act

This bill requires Medicare Advantage and prescription drug plans to reimburse the Department of Veterans Affairs (VA) for health care services provided to veterans enrolled in those plans, including outpatient care, prescription drugs, and inpatient services. It establishes a new process for the VA to recover costs from Medicare plans, requiring these plans to respond to reimbursement claims within 45 days and face penalties for non-compliance, including triple damages for willful violations. The law modifies existing VA authority to recover costs for non-service-connected disabilities by clarifying recovery procedures and requiring Medicare plans to coordinate benefits with VA care. The provisions apply to Medicare plan years beginning January 1, 2026, and directly affect Medicare Advantage organizations and prescription drug plan sponsors that serve veterans. This policy change ensures veterans receive full benefits without double payments by requiring Medicare plans to reimburse the VA for services they cover.