Opioids - As enacted, authorizes an insurer, for purposes of group insurance plans offered to state employees, to adopt or amend a state preferred drug list (PDL); requires the insurer to ensure that a non-opioid drug approved by the U.S. food and drug administration for the treatment or management of pain is not disadvantaged or discouraged with respect to coverage relative to an opioid or narcotic drug for the treatment or management of pain on the PDL. - Amends TCA Title 8; Title 53; Title 56; Title 63; Title 68 and Title 71.

SB 428 requires insurers offering health insurance plans to Tennessee state employees to treat non-opioid pain medications (FDA-approved for pain treatment) equally with opioids on their preferred drug list, ensuring they are not disadvantaged in coverage or discouraged. It also mandates separate reimbursement for healthcare providers and hospitals when non-opioid pain treatments are provided to covered employees. The law applies immediately upon FDA approval of a non-opioid drug and takes effect July 1, 2025. This directly affects insurers and state employee health plans under Tennessee Code.