establish provisions for the coverage of nonopioid prescription drugs.

HB 1085 requires South Dakota health insurers to cover nonopioid prescription drugs for pain treatment when prescribed by a doctor, without denying coverage in favor of opioids. Insurers cannot impose stricter approval steps (like prior authorization) or higher cost-sharing tiers for nonopioid drugs compared to opioids or narcotics. This directly affects patients seeking pain management and insurers operating in South Dakota, ensuring equal coverage treatment for nonopioid options when clinically appropriate. The law applies to all health insurance policies sold or renewed in the state.