Repair Abuses of MSP Payments (RAMP) Act

The RAMP Act amends the Social Security Act to clarify that group health plans (such as employer-sponsored insurance) must be treated as the primary payer for medical services when Medicare is secondary, replacing the ambiguous term "primary plan" with "group health plan" (as defined in law). This change ensures group health plans cover costs first, preventing Medicare from paying incorrectly for services they should cover. The bill directly affects group health plans and Medicare by reducing payment errors that strain Medicare's finances. It corrects confusion in current law without creating new legal claims or altering existing Medicare coverage rules.