MORE Savings Act

This bill eliminates copays and deductibles for opioid treatment under Medicare, requires private health insurance plans to cover opioid medications and related services without cost-sharing starting in 2025, and increases federal Medicaid funding for medication-assisted treatment. It directly affects Medicare beneficiaries, Medicaid patients, and individuals with private health insurance by removing financial barriers to evidence-based treatments. Key provisions include a 5-year Medicare pilot in 15 states meeting specific criteria (high opioid deaths, rural areas, and Medicare enrollment), mandatory coverage for prescription drugs, behavioral health services, and recovery support like peer counseling and transportation, and a 90% federal Medicaid match for these services. The bill applies to all three insurance systems but takes effect earliest for private plans in 2025.