Requires insurance and Medicaid coverage for inpatient and outpatient substance abuse treatment for a period of not less than forty-five days

This bill requires all health insurance plans and Medicaid to cover inpatient and outpatient substance use disorder treatment for at least 45 days, directly affecting individuals seeking addiction care. It mandates that coverage includes unlimited medically necessary treatment in residential settings for inpatient care and prohibits insurers from applying stricter financial or treatment limits (like prior authorization) to substance use disorder services than those applied to standard medical care. The law applies to both hospital and medical insurance policies, ensuring consistent coverage without extra hurdles for addiction treatment. This creates a concrete policy change by standardizing minimum coverage duration and removing discriminatory restrictions in insurance practices.