Stop the GUARD Veterans Health Care Act

Read the Open Letter to Congress
and Sign the Petition to Protect
Veterans’ Medicare

S.2145, introduced in 2025, would permit VA to seek reimbursement from Medicare Advantage and Part D plans for covered items, services, or drugs provided to an enrollee if enacted as introduced; it is not current law. That sounds like red tape — but it threatens real benefits for veterans who rely on both systems.

Part B premium reductions, plan networks, and choice could be affected if the proposal is enacted; the outcome is uncertain.

🔴 Open Letter (PDF)
✍️ Sign Petition

⚠️ What Is at Stake?

Broken Government Promise

Veterans may have both VA health care and Medicare, but how the programs coordinate depends on eligibility, coverage, and services. Review current VA and Medicare guidance before making a coverage decision. S.2145, the GUARD Veterans’ Health Care Act, was introduced on June 23, 2025 and referred to the Senate Committee on Veterans’ Affairs. If enacted as introduced, it could affect how Medicare Advantage and Part D plans reimburse the VA; it is not current law.

Higher Costs, Fewer Choices

If enacted, the bill could change plan costs or benefit design, but the direction and size of any change are uncertain. Supplemental benefits, premiums, networks, and availability differ by plan and county.

Possible Changes to Part B Premium Reductions

Some Medicare Advantage plans may offer a Part B premium reduction, but amounts and availability vary by plan and area. If enacted, the bill could affect premiums, premium reductions, and supplemental benefits; the direction and size of any change are uncertain.

Forced Either-Or Decisions

The introduced bill would not itself require a veteran to drop VA care or Medicare Advantage. Practical effects on coordination, claims, networks, and benefits would depend on final legislation and implementation.

Turning Coordination into Conflict

MA and the VA now complement each other. The GUARD Act replaces that coordination with cost-shifting and red tape.

Bottom line: Veterans may use both systems, but each program has its own eligibility, coverage, and coordination rules. Review the introduced bill and current agency guidance before making a coverage decision.

📄 Open Letter (PDF)
✍️ Sign Petition

📣 Why the GUARD Act Hurts Veterans

This proposal could change how some covered care is reimbursed if enacted, but its practical effects are not yet known.

Here are possible areas to watch; no outcome is certain while the bill remains a proposal:

Possible Changes to Part B Premium Reductions

If enacted, the bill could affect plan costs, Part B premium reductions, and supplemental benefits. The direction and size of any change are uncertain and would depend on plan economics and implementation.

Loss of Enhanced Benefits

Supplemental benefits, premiums, networks, and availability differ by plan and county. If enacted, the bill could change benefit design, but the direction and size of any change are uncertain.

Fewer Plans in Rural Areas

If enacted, the bill could affect plan costs or availability, but the direction and size of any change are uncertain. Compare current plan materials for your county.

No Relief From Original Medicare

The introduced bill would authorize VA cost recovery from Medicare Advantage and Part D plans for covered services; it would not itself require a veteran to drop VA care or Medicare Advantage. Practical effects would depend on final legislation and implementation.

Punishes Dual Entitlement

Veterans may use both systems, but the proposal would not itself require them to give up either one. Practical effects would depend on final legislation and implementation.

📄 Open Letter (PDF)
✍️ Sign Petition

🗳️ What You Can Do — Take Action Now