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US payment policy for medications to treat opioid use disorder: landscape and opportunities
Open accessAbstract
Offering patients medications for opioid use disorder (MOUD) is the standard of care for opioid use disorder (OUD), but an estimated 75%–90% of people with OUD who could benefit from MOUD do not receive medication. Payment policy, defined as public and private payers’ approaches to covering and reimbursing providers for MOUD, is 1 contributor to this treatment gap. We conducted a policy analysis and qualitative interviews (n = 21) and surveys (n = 31) with US MOUD payment policy experts to characterize MOUD insurance coverage across major categories of US insurers and identify opportunities for reform and innovation. Traditional Medicare, Medicare Advantage, and Medicaid all provide coverage for at least 1 formulation of buprenorphine, naltrexone, and methadone for OUD. Private insurance coverage varies by carrier and by plan, with methadone most likely to be excluded. The experts interviewed cautioned against rigid reimbursement models that force patients into one-size-fits-all care and endorsed future development and adoption of value-based MOUD payment models. More than 70% of experts surveyed reported that Medicare, Medicaid, and private insurers should increase payment for office- and opioid treatment program–based MOUD. Validation of MOUD performance metrics is needed to support future value-based initiatives.
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The finding that 43.0% of SUD service utilizations were self-pay is consistent with documented barriers to SUD treatment, including lack of insurance, inadequate coverage benefits, cash-only payment acceptance, and patients' self-pay preference due to stigma-related privacy concerns.
“our finding that 43.0% of SUD service utilizations were self-pay is consistent with documented barriers to SUD treatment, including lack of insurance,24 inadequate coverage benefits across various insurance types,24, 31-36 cash-only payment acceptance (i.e., non-acceptance of any insurance) by SUD treatment providers,36 and patients’ self-pay preference due to stigma-related privacy concerns.24”
From County-Level Variation in Substance Use Disorder Service Utilization by Insurance Payers and Self-Pay in the United States (2026) · cites this paper as [35]
Utilization management strategies are commonly used in Medicaid and private insurance plans to regulate SUD treatment benefits through mechanisms such as prior authorization, drug testing, annual maximums, duration restrictions, high deductibles, and monthly caps on total prescriptions.
“Moreover, utilization management strategies are commonly used in Medicaid and private insurance plans to regulate SUD treatment benefits through mechanisms such as prior authorization, drug testing, annual maximums, duration restrictions, high deductibles, and monthly caps on total prescriptions,24, 26, 34-35”
From County-Level Variation in Substance Use Disorder Service Utilization by Insurance Payers and Self-Pay in the United States (2026) · cites this paper as [35]
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Sorted by citations
Han, B., Compton, W. M., Jones, C. M., Stimson, D. T., Barfield, E. T., Bellgowan, J. F., Hobin, J. A., & Volkow, N. D. (2026) · The Journal of Clinical Psychiatry · doi:10.4088/jcp.26m16340
Metadata
- Authors
- McGinty, E. E., White, S. A., Eisenberg, M. D., Palmer, N. R., Brown, C. H., & Saloner, B. K.
- Affiliations
- Weill Cornell Medicine (US)
- Johns Hopkins University (US)
- Northwestern University (US)
- Corresponding author
- McGinty, Emma E
- ORCID
- Venue
- Health Affairs Scholar
- Publisher
- Oxford University Press (OUP)
- Published
- 2024-02-27
- Volume
- 2
- Issue
- 3
- Pages
- qxae024-qxae024
- ISSN
- 2976-5390 (ISSN-L)
- PMC
- PMC10986242
- OpenAlex
- W4392185526
- Cited by
- 15
- References
- 2
- Citations by year
- 2026: 5 · 2025: 9 · 2024: 1
- FWCI
- 6.21
- Type
- journal article
- Language
- en
- Open access
- gold
- doi.org
- Licence
- public-domain
- Locations
- Health Affairs Scholar (publishedVersion, public-domain)
- PubMed Central (publishedVersion, public-domain)
- PubMed (publishedVersion)
- Funders
- National Institute on Drug Abuse
- National Institutes of Health (P50DA054072, U2CDA057717)
- Topics
- Health Sciences › Medicine › Public Health, Environmental and Occupational Health › Opioid Use Disorder Treatment
- Social Sciences › Economics, Econometrics and Finance › Economics and Econometrics › Healthcare Policy and Management
- Health Sciences › Medicine › Epidemiology › Substance Abuse Treatment and Outcomes
- Keywords
- opioid use disorder, medication-assisted treatment, payment policy, insurance coverage, reimbursement, buprenorphine, naltrexone, methadone, treatment gap, value-based payment, Medicare, Medicaid, private insurance, opioid treatment programs, performance indicators
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