MORE Savings Act

This Act may be cited as the “Maximizing Opioid Recovery Emergency Savings Act” or the “MORE Savings Act”.

Section 1115A(b)(2) of the Social Security Act (42 U.S.C. 1315a(b)(2)) is amended—

(1) in subparagraph (A), in the last sentence, by inserting “, and shall include the model described in subparagraph (D) (which shall be implemented by not later than six months after the date of the enactment of the Maximizing Opioid Recovery Emergency Savings Act)” before the period at the end; and

(2) by adding at the end the following new subparagraph:

“(D) Affordable access to evidence-based opioid treatments.—

(i) In general.— The model described in this subparagraph is a model that seeks to provide affordable access to evidence-based opioid treatments and community-based recovery support services by eliminating coinsurance, copayments, and deductibles otherwise applicable under parts B and D of title XVIII (including as such parts are applied under part C of such title) for the following items and services that are otherwise covered under such parts:

(I) Drugs and biologicals prescribed or furnished to treat opioid use disorders or reverse overdose.

(II) Behavioral health and community support services furnished for the treatment of opioid use disorders, including treatment of addiction in non-hospital residential facilities licensed to furnish such treatment.

(III) Recovery support services to maintain a healthy lifestyle following opioid misuse treatment, such as peer counseling and transportation.

(ii) Selection of sites.— The CMI shall select 15 States in which to conduct the model under this subparagraph. A State shall meet each of the following criteria in order to be selected under the preceding sentence:

(I) The State has a high proportion of Medicare beneficiaries.

(II) The State has a high rate of overdose deaths due to opioids.

(III) The State has a significant percentage of rural areas.

(iii) Termination and modification provision not applicable for first five years of the model.— The provisions of paragraph (3)(B) shall apply to the model under this subparagraph beginning on the date that is five years after such model is implemented, but shall not apply to such model prior to such date.”.

(a) In general.—

(1) PHSA.— Part D of title XXVII of the Public Health Service Act (42 U.S.C. 300gg–111 et seq.) is amended by adding at the end the following:

“2799A–11. Coverage of opioid treatments.— A group health plan and a health insurance issuer offering group or individual health insurance coverage shall, at a minimum, with respect to a participant, beneficiary, or enrollee in the plan or coverage, provide coverage for and shall not impose any cost-sharing requirements for—

(1) prescription drugs for the treatment of opioid use disorders or to reverse overdose;

(2) behavioral health services for the treatment of opioid use disorders, including treatment of opioid use disorders in non-hospital residential facilities licensed to provide such treatment; or

(3) community recovery support services that are provided in conjunction with, where appropriate, medication-assisted treatment for an opioid use disorder, such as peer counseling and transportation, to support the participant, beneficiary, or enrollee in maintaining a healthy lifestyle following opioid misuse treatment.”.

(2) ERISA.—

(A) In general.— Subpart B of part 7 of subtitle B of title I of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1185 et seq.) is amended by adding at the end the following:

“726. Coverage of opioid treatments.— A group health plan and a health insurance issuer offering group health insurance coverage shall, at a minimum, with respect to a participant or beneficiary in the plan or coverage, provide coverage for and shall not impose any cost-sharing requirements for—

(1) prescription drugs for the treatment of opioid use disorders or to reverse overdose;

(2) behavioral health services for the treatment of opioid use disorders, including treatment of opioid use disorders in non-hospital residential facilities licensed to provide such treatment; or

(3) community recovery support services that are provided in conjunction with, where appropriate, medication-assisted treatment for an opioid use disorder, such as peer counseling and transportation, to support the participant or beneficiary in maintaining a healthy lifestyle following opioid misuse treatment.”.

(B) Clerical amendment.— The table of contents in section 1 of the Employee Retirement Income Security Act of 1974 (29 U.S.C. 1001 et seq.) is amended by inserting after the item relating to section 725 the following new item:

(3) IRC.—

(A) In general.— Chapter 100 of the Internal Revenue Code of 1986 is amended by adding at the end the following:

“9826. Coverage of opioid treatments.— A group health plan shall, at a minimum, with respect to a participant or beneficiary in the plan, provide coverage for and shall not impose any cost-sharing requirements for—

(1) prescription drugs for the treatment of opioid use disorders or to reverse overdose;

(2) behavioral health services for the treatment of opioid use disorders, including treatment of opioid use disorders in non-hospital residential facilities licensed to provide such treatment; or

(3) community recovery support services that are provided in conjunction with, where appropriate, medication-assisted treatment for an opioid use disorder, such as peer counseling and transportation, to support the participant or beneficiary in maintaining a healthy lifestyle following opioid misuse treatment.”.

(B) Clerical amendment.— The table of sections for subchapter B of chapter 100 of the Internal Revenue Code of 1986 is amended by adding at the end the following new item:

(b) Effective date.— The amendments made by subsection (a) shall apply with respect to plan years beginning on or after January 1, 2027.

(a) In general.— Section 1905(b) of the Social Security Act (42 U.S.C. 1396d(b)) is amended by adding at the end the following: “Notwithstanding the first sentence of this subsection, during the portion of the period described in subsection (a)(29) that begins on the date of enactment of this sentence, the Federal medical assistance percentage shall be 90 percent with respect to amounts expended during such portion of such period by a State that is one of the 50 States or the District of Columbia as medical assistance for medication-assisted treatment (as defined in subsection (ee)(1)).”.

(b) State option To provide recovery support services as part of medication-Assisted treatment.— Section 1905(ee)(1) of the Social Security Act (42 U.S.C. 1396d(ee)(1)) is amended—

(1) in subparagraph (A), by striking “; and” and inserting a semicolon;

(2) in subparagraph (B), by striking the period at the end and inserting “; and”; and

(3) by adding at the end the following new subparagraph:

“(C) at the option of a State, includes recovery support services, such as peer counseling and transportation, that are provided to an individual in conjunction with the provision of such drugs and biological products to support the individual in maintaining a healthy lifestyle following opioid misuse treatment.”.