{"id":"e59a7a0f-52b1-44ce-81ee-8e873afca147","feedVisibility":"normal","congress":119,"billType":"s","billNumber":3816,"title":"Repair Abuses of MSP Payments (RAMP) Act","displayTitle":"纠正医疗保险主要支付方滥权法","abstract":"纠正医疗保险主要支付方滥权法。本法案限制在医疗保险（Medicare）作为次要支付方的情形下，针对未提供适当主要支付的保险计划提起私人诉讼的权利。现行法律允许在医疗保险作为次要支付方的情形下，针对未提供适当主要支付的主要支付计划提起私人诉讼；该规定适用于团体健康计划、工伤赔偿计划、汽车或责任保险计划以及无过错保险计划。本法案将该规定的适用范围限定为团体健康计划。","displaySummary":"<p><strong>YVN Summary</strong></p>\n\n<p>当患者拥有私人健康保险，且该保险本应在Medicare报销之前优先赔付，但保险公司拒绝支付时，现行法律允许患者和Medicare就某些类型的保险计划提起诉讼，追回损失，但并非所有类型的计划都适用。这项范围有限但针对性强的法案填补了这一空缺，将私人诉讼权扩展至雇主赞助型团体健康计划，使其在作为主要保险人却拒绝支付时，可以被追究责任。这一改变有助于Medicare追回本应由私人保险承担的费用。</p>","status":"COMMITTEE_CONSIDERATION","topics":[],"introducedAt":"2026-02-10T00:00:00+00:00","latestActionAt":"2026-02-10T00:00:00+00:00","congressGovUrl":"https://www.congress.gov/bill/119th-congress/senate-bill/3816","accountabilityFlags":{},"tldr":"允许患者和医疗保险机构起诉那些本应作为主要承保方、却拒绝优先赔付的雇主团体健康计划。","summaryStandard":null,"flagExplainers":{},"flagValence":{},"needsResummary":false,"displaySummaryHtml":null,"rawStatusText":"Read twice and referred to the Committee on Finance.","chamber":"SENATE","policyArea":"Health","legislativeSubjects":[],"lawStatus":null,"lawNumber":null,"latestActionText":"Read twice and referred to the Committee on Finance.","latestTextVersion":"Introduced in Senate","textVersionUsed":"Introduced in Senate","dateAdded":"2026-03-30T00:00:00+00:00","summarizedAt":"2026-03-30T00:00:00+00:00","recordId":"e59a7a0f-52b1-44ce-81ee-8e873afca147","feedIdentityKey":"119/s/3816","websiteBillId":"S-3816","yourvoiceSummary":"当患者拥有私人健康保险，且该保险本应在Medicare报销之前优先赔付，但保险公司拒绝支付时，现行法律允许患者和Medicare就某些类型的保险计划提起诉讼，追回损失，但并非所有类型的计划都适用。这项范围有限但针对性强的法案填补了这一空缺，将私人诉讼权扩展至雇主赞助型团体健康计划，使其在作为主要保险人却拒绝支付时，可以被追究责任。这一改变有助于Medicare追回本应由私人保险承担的费用。","updatedAt":"2026-10-24T10:52:32.540876+00:00"}