hartford extended the three-year guarantee through aetna through 2019. so on page 2 you can see the current programs and premiums. >> are there questions by members of the commission or the board regarding the recommendation? is there any public regarding the presentation? hearing and seeing none i'm willing to entertain a motion. >> i move to approve the rates as displayed in this presentation. >> is there a second? >> second. >> it's been properly moved and seconded that we approve the recommendation as contained on page 2 of the presentation regarding the life and disability renewal for 2019 plan year. is there any questions? members of the board? any public comment? hearing and seeing none we are now ready to vote. all those in favor signify. all those opposed? it carries unanimously. thank you. secretary. >> item 9, discussion item, prop b retirees, medical subsidy 2019, aon. >> mike clark. we assembled this discussion back today to remind of the carter contributions that are available through section aa.428. very specifically as i mentioned earlier

battling disney for 21st century fox to other industries like health care with cvs' acquisition of aetna. reacting today in a statement, saying we are disappointed in the court's decision today. we connue to believe that the pay tv market will be less competitive and less innovative as a result. no word if doj will appeal, but for now the deal is expected to close by june 20th. jo ling kent, nbc news.esda year, it's primary night in america. and an unusual way of voting up in maine becoming the first state to use so-called ranked choice voting rather than just voting for one choice in each race. voters will actually rank candidates from first to last. no one gets a majority, there is a process of elimination using those rankings to determine a winner in the race. proponents say it's more fair. that leads to a majority winner while critics say it's just confusing. i'll let you know after i read it a third time. >>> still ahead, suv safety warnings. see what the most popular midsize models on the market scoring poorly on a crash test. >>> bigger than baseball. the two rivals whose emotiona

cvs is loong to purchase aetna. as analysts point out it is not just the competition for pharmacy business that may be weighing on retailers. >> when i goo cvs a walmart who is a loser in this bidder, i'm picking up a lot of things on the way to getting my drug prescription at the back of the store. now i'm definitely going to be doing that neon i think this just puts amazon right in a great place. >> reporter: while broader plans for the pharmacy space aren't clear, investors believe it will disrupt here as much as it has other industries. for "nightly business report"," i'm meg tyrell. >> stevenhalper joins us now from canter fitzgerald. thanks for joining us. >> thank youor having me. >> when amazon bought whole foods it sent huge ripples through the grocery do you see it happening in health care? >> no. i think the pharmacy business i a lot more complicated than grocery. simply because the employers as well as the pharmacy benefit managers get to control the networks where consumers can get prescriptieds fi most

whether it's cvs aetna, at&t time warner, monsanto, all of these have implications. against the backdrop we are so concerned about the plague of competition and consumers as a result of these types of decisions. it's notable that judge leon did not provide much of the landscape in rendering his opinion on facts and economic models and documentary evidence did not provide any landscape of which the merger would be evaluated. not once did we hear the term market structure, how many rivals are in the market, did we have big powerful players with market shares. nor did we hear the word market power mentioned ones in the complaint. i'm sorry, in the opinion. it's an important table setting that did not occurhat wod have given the american consumer the ability to understand the importance of antitrust enforcement in this particular merger. >> what about his analysis of the virtual and the subscriber video on demand services and where the competition is going. >> that's a really good question and how the court will have the complaint in how the courts evaluated the market i

whether it is cbs and aetna, or monsanto, all of them have vertical infliction. against that backdrop we are concerned about the plight of competition and with the consumers that this type of decision. i think it's notable that judge lyons did not provide much of a landscape and rendering his opinion on facts, economic models and others. to not provide any landscape to which this merger would be evaluated. not once do we hear the term market structure, are they concentrated, do they have big powerful players? nor, do we hear the word market power mentioned once in the complaint. so, i think there is an important table setting that did not occur that would have given the american consumer the ability to understand the importance of anti- trust. >> what about his analysis of the virtual -- and then the smb od. the subscriber video on demand service like lulu and netflix. >> that's a good question. that goes to how the court for the government initially in the complaint how they evaluate the market. in which the potential harms would occur. the judge accepted the go

. >> vy quickly, there is the deal between cvs and aetna health for example. that is outside of the purview of media but we're still waiting r regulation -- regulators approve of that one if they are going to, does it make this o easier f like that, do you think. >> i think so. that is another one of the vertical mergers that you explained and health care is another industry whereasets are arranged improperlyo i think that one and the express scriptm cignger and i think they are feeling better tonight than yesterday. >> erik gordon with the ross scol of busines thanks for joining us tonight. >> my pleare, bill. >> to the economy. consumer prices posted the largest annual gain in more than six years last mon o. the repor this morning is just the latest sign of brewing price pressure in e economy. the consumer price index which measures what consumers pay rose 2.8% in may compared to a year ago compared to the prior month. that was released just as the federal reserve started the two-day meeting this week. central bankers are widelyed expeo announce an interest

it's a great team of cvs and aetna executives pretty excited about that and the regulatory process isansactions being reviewed by the department of justice and there's a parallel process at the states with the department of insurance and we're pleased with, you know, how that's all progressing and we expect the transaction to close later this year. >> reporter: he really does think it'll close in the second half of the year. they are going on with new initiatives which include the home delivery expanding it nationwide, also getting rid of transfats in their cvs products and moving some of those less healthy snacks to the back of the fruit aisle rather than near the front of the store in response to clients. they are doing a lot of these things because of amazon. i asked larry merelio what he thought of amazon naming a new ceo for that new joint venture with berkshire hathaway and with jpmorgan and again he said he thinks it'll be good for cvs. >> we think that there's a lot of parallels in terms of what we're looking to do with cvs and aetna coming together and what they're aspiration

cbs is looking at combining with aetna, the insurance company. 70se are $50 million, million dollarsbillion dollar ds not incidental. really are: tackling the question of a vertical versus horizontal merger and there are also the questions to be tied back to it. clearly, the judge has to way that, too. to what extent? >> we're very fortunate because judge leon is a very wise, very sophisticated observer of the financial market, and you could wish that some of the congressman adjudicating the net neutrality rules in some of the hearings that they had last month for facebook and google knew a little bit more about the internet and the digital world because judge leon is savvy. the rest of the government probably is less savvy. that point,arify on what kind of a chilling effect could it have on the broader m&a market is indeed -- when we are asking questions about -- a a very frosty if this is negative verdict by the judge. it will really shape hundreds of entities. scarlet: obviously, judge richard leon is someone we will be watching, and he has .xperience talk about the personalities

>> i don't think they would go afte the cvs aetna deal, but something like sprint and t-mobile where those arewo t companies where there are only four wirelessri cars and two of them are trying to merge. and they've already tried before and have been told no. that's the one that we'll see. did this make the trump administration think maybe we shouldn't go after these deals, that's the real test. >> i think sprint and t-mobile, their legal case got stronger because they're going to say we're barely competingwn eless and now our two big rivals are out there buying oodles of content. i ink in some ways we may just see another wave of >> that bundling is such a big thing because you can bundle your home intnet, cable, everything, and give you deals on the content. how does sprint and t-mobile as independent companwis compete that if they're able to bundle and charge less? >> will you get deals, though? or could it in the long run lead s higher prices for consumers? >> the governmentp witness in this case was forced to admit it would probably lead to lower prices for at&tcustomers, at lea

cbs has proposed an acquisition of -- cvs has proposed an acquisition of aetna. you see cigna down. we see an uptick in deal activity. the first quarter globally was the biggest in terms of value of of global m&a to 2007. predicts this year will be the busiest for m&a going back to 2007. lots more tcome. mark:e are talking about the world cup here. the ecb announces tomorrow. let's get a central bank preview. where the fedriod was criticized for being governed by the market, the tail wagging the dog. is the dog wagging detailed out? --ag the tail now? >> absolutely. you have to think chairel for that -- thank chair yellen for that. powell is quite seamless. he's getting a real sense of continuity there. they believe he wants to hike rates he'not afraid of the markets. puts certainty for greenspan and bernanke, it is less there. 15%al levels below drop in the dow, the fed will come in. of the fedfear stopping rates -- vonnie: what about balance sheet runoff? it's not so much about rates. it's about the dot plot and where they go, whether rates move forward. it's increasingly more abo

aetna, a vertical merger. the transition to digital saying, we need to vertically integrate. of these? logan: that is likely. vertical considering transactions on the margins of what could be done under antitrust laws, are now going to be emboldened to try them. vertical consolidation in media sectors have been happening for a long time. comcast nbc, doj approved in 2011. you have seen a trend toward vertical consolidation. i don't think that will abate. is -- what do the justice department do next? there are mergers pending that are not vertical. t-mobile-sprint for example. logan: there are elements of the judge's decision that would have implications for future reviews. he spent a lot of time in the opinion talking about the significance of innovation, the evolution of the industry. the way the competition was changing as a result. thes static analysis of competitive effects based on traditional distribution re did not resonate with the judge. those same innovation-based arguments apply to a number of other potential deals, as you mentioned, t-mobile and sprint might be an

you see cvs and aetna. can see express scripts up nicely there some affect overall mas on that important to remember where market leaders are s&p up about%. it's been a terrific june. retail jt far and away fantastic numbers here some of the big classic retailers up double digits material strong. consumer discretionary because everything has been strong tech is performing about in line with the markets financials have been lagging a little bit financials and energy don't quite have what they had before and are not contributing as much as they used we're relying on consumer discretionary and to a certain extent some of the other stocks like materials elsewhere it's market movers today. we've had some positives this week obviously north korea is incrementally a positive certainly the at&t/time wa deal is a clear positive for the markets. there ars out there. i think the federal reserve is potentially risky today. there's been discussions about tradnsion perhaps president trump would impose trade tariffs on ch

the health care group mergers, krsk acquiring aetna, aetna up nicely cigna acquiring he can press script, disney is a potential acquirer of the fox assets yet being down this morning, and then rocketed straight up up here a lot of call options. the ar out there, they have been short disney and long fox on this merger arb deal. >> and reverse. >> that's right. i think there are some bets here they may not necessarily be winner of the fox assets, too, going on as well. >> yeah. >> that is the most likely explanation for what happenedis abouted on the trading action we are seeing right now as for the fed, i agrewith everything s said. the edt i would ad, just a lot of trader comment about the possibility of a press conference every meeting i do not view this as hawkish. it makes absolute se i think they should do that. but the market is a little bit concerned that this is another excuse for them to throw in that extra rate hike and go to four this year. >> we heard the possibility from boss particular. boss particular was talking about this possibility it gives the fed more flexibility is t

david: a fair amount of integration in the space, aetna and cvs, what it be possible for an insuranceany, medical insurance company to say that makes sense? >> that is another possibility. thought to be one of the best companies in this space. there generally will be broad-based interest and i think it will be a heated auction. david: a break -- is it a big growth market? >> yes, everything is moving to the cloud. medical records are not anything new. data and the information they collect is valuable to other people. this is a company that will be attractive to a lot of potential buyers. shery: who are rivals -- rivals? >> yes. shery: the latest on athena health and their ceo stepping down your president trump that stepping down. -- stepping down. president trump will sign a bill veteranshe administration to create a more flexible and efficient system. we will bring you that coverage live. ,heck out the terminal live go president trump expected to participate in the signing ceremony of the v.a. mission act of 2018. this is bloomberg. ♪ ♪ --ry: you are taking a live a live look at pict

. >> thanks, roger let's get over to bertha coombs at the nasdaq for the latest on the aetna health aseo jonathan bush steps down. >> julia, ceo and co-founder jonathan bush steppingown this ahead of the company's shareholder meeting in a protracted battle of control for the electron flick health records firm, follows revelations of jonathan bush having assaulted his wife more than a decade ago during their divorce. this is t management performae. bush and the board have been under pressure to sell the company under activist with elliott management, and clear bridge also pushing for a new direction. in a statement bush believed working for something greatef i you can do athena health has been that for last 21 ynose thingthat made m are e exact things that are in the way of the firm's potential to transform health care the stock up more than 20% since elliott offered 160 per share a month ago, hitting a new 52 week high today the board saying it will explore possible sale. evercorp analyst ross mucken puts the odds 60% it will be taken private by elliott. atheen ya represents what he be

it could open the door for other larger mergers like cvs and aetna.nt trump has opposed the deal for years, even before his election, saying it would concentrate too much market power in a single company and his animosity against time warner's cnnls has been well known. pat, back to you. >> thank yo c >>> aelebration for the ages. >> and news 4 was there for every moment next at5:00, the best moments from today's parade of champs. >> and then a story all new at 5:00, action today from the family of a prince george's county police officer k led by friendly fire. >>> and the olympian speaking out on the death of his little girl. and the warning he has for other parents tonight. yo u' celebrate dad this father's day. save big on something special from ross, from gifts that fit his style to gifts that bring a smile. happy father's day begins at ross. ♪ you gotta go to ross arunacomes from listeningy law to peoples' stories. i'm aruna miller, and growing up as an immigrant, i know we have the power to improve peoples' lives.st that's why in the legislature

i think the aetna deal is positive for these guys.hink health care could be good for these guys. i think -- forget drugs, people are not going to cvs for a lot of other stuff they're buying. >> isn't the bigger part of the business the pbm and mail order drugs? >> i forget that now, but that will be -- i agree with tim on this i think though the problem here is not even so much amazon because this a tiny thing. it's more the capacity in the business and the bbm business has been ridiculous, right that's what's going to be changing that's what amazon -- >> in case you -- >> complex capacity. >> i can see right there >> is there regulatory risk involved >> i think so. even if it's not regulatory. just i think it's evolving that way. transparency has to come it cannot be good for the pbm. >> the next, prime deal or amazoned >> amazoned. that's sort of up in the air whether or not shareholders approve that they're also amazoned. they're americaning a imerging f debt. >> same story. >> amazoned. >> do you agree with this on rite-aid >> yes

so you have cbs trying to buy aetna and you have buyout of express script. major shifts and changes as this plays out. the judge making his decision that the d.o.j. did not pl through on burden of proof and the at&t-time warner merger is getting the go-ahead and the two big thumbs-up from him. melissa: as you looked at the movement in stocks there, worsening conditions, we haven't heard, what people were expecting. you look at that. this is what a chart looks like during a normal acquisition. company acquired, you see a big boost, time warner trading up 5%. at&t the one doing the acquiring is down. comcast moved down as well because it's one of the groups out there dng the acquiring, and we said earlier and charlie gasparino predicted that it's the value of the assets that now skyrocket in the hours after this decision. but it got vanquished there. connell: and hillary didn't mention any and now the communications we're getting from the courtroom, it's confirmed to us, i believe there are no strings attached, there are no conditions. melissa: they didn't mee

healthcare industry because this is a vertical merger so you'll see companies like cvs trying to buy aetnasomeone not their direct competitor this could be a big game changer for them so we'll have to wait and see how this plays out but right now, consumers, the argument coming from the judge today, is that he does not believe that consumers are going to have higher costs at the end of the day. liz: thank you, hillary really appreciate that. good stuff good reporting there hillary and great point made about health companies come back soon we love having you on the show let's get back to the money pros. okay you heard what hillary just reported that our pocketbooks aren't going to get socked that's what the judge decided of course we have facebook, apple, amazon, netflix and google all getting into streaming. jonathan viewers out there ain't going to buy it will they see their cable bills going up all the time and their phone bills going up all the time we heard this time and again in all the m & a deals that are going to go down they still go up not buying it. >> well liz, a lot of those b

be other vertical mergers as there have been in recent months such as the one between the insurer aetna and the drugstore c.v.s. on the one hand and amazon and whole foods in grocery stores so we're likely to see a lot of different companies feel like they don't have to worry as much about the opposition of the department of justice and even if the department of justice objects that the courts will not uphold those views john thanks for that john hendren live for us in washington. now the nationalist iraqi shiite cleric mctaggart saw there has formed a coalition with a pro iranian bloc led by head the mirror to form the biggest political group in iraq's parliament these pictures show the two men meeting late last month after an election in which our solders party took first place and bad party came in second the two groups are still short of an overall majority the united nations envoy to yemen is negotiating with the major warring sides to prevent fighting in the main port city for a deliveries forces led by saudi arabia the united arab emirates are ten kilometers from the data which i

aetna, cbs, sick na express, they're trying to attract specialty costs.d has come in and has been passing through now some of the drug rebates to consumers. aetna followed the azar blueprint seems to be supporting, integrated bpms and managed care so we'll see what they come up with >> so you are talking about finally passing on some of these discounts to the actual consumers paying them, instead of passing them onto the pbms or the payers you are talking slinking administrative costs, if you combine them with others, you are all amy squeezing them >> standard pbms have been a problem. there have been no stand alone pbms you will have ma jelan and that impact. that's a small percentage of the market >> anna, one thing that will be helpful in this. we don't get much in the way of metrics, the progress being made or not being made. i can see these people going in and buying from drug makers directly that's a small part of the overall health care, 3.3 trillion as you know how do you get at the other stuff the defensive medicine, to cover people's backside? a

cvs and aetnas already on the table, fox and disney. about on the periphery? >> i think you have to change your calculus, when youth think about potential m&a targets, you have to think much more broadly. digitization of different companies. they are looking to get bigger in different areas. if you years ago, you never would've thought about general electric investing in software but it is. amazon buying whole foods. companies are looking for different have is to find growth you have to broaden your spectrum. ,ut just because you can doesn't always mean it's a great idea. david: erik gordon, thank you for joining us. also, brooke sutherland of bloomberg opinion. alix:esident trump is going after opec yet again. more on what i'hing y again, heading into that putin- bin salman meeting at the world cup. interact with us on tv in the bloomberg terminal. you can play a with it on your own terminal. this is bloomberg. ♪ alix: i'm obviously watching the but what i'm really watchg is president trump going after opec yet again. there is a t

look at cvs aetna, same sort of story, highly concentrated markets upstream, highly concentrated downstream. really a set up for foreclosure whether it's in put or customer foreclosure. we would hope the judge, we would hope the judge would be able to do this balancing between economics and law and institutional analysis, and actually come to some reasoned conclusion. and then i would just add that, i mean i think efficiency claims and vertical mergers are already crumbling. we see very little evidence in the past of vertical economies being delivered and passed onto consumers. these are big complex vertically integrated organizations. manages have to deliver on all these efficiency claims. and we have evidence that show that managers don't do that they don't deliver on these. and i think that's bubbling up to the surface. and certainly problems with product remedies are well-known. and i think judge lee on of all the judges, expressed concerns of enforce aiblt of those remedies. it could be a good or bad outcome but i don't know how much presidential value for other cases. >> can i make on

aetna, express scripts cigna and others >> you're right.rs make a lot of sense to me because what they're going to do is they're combining pbms, pharmacy based managers with health plans. pbms are pretty antiquated, and i think the savings that they'll get through consolidation will be significant for each of those dea deals, but that doesn't solve the problem of how those companies get to a cloud-based platform business and that's what amazon understands so well. and so, yes, it will take them a few years to get there because somewhere along the line they have to get beyond supply chaining which they know beyond consumer facing businesses which they know. they have to be able to integrate into a pbm network and at the moment, we're the only cloud based platform out there. and whether they're going to build it themselves or what they'll do, we'll have to wait and see. but that's a very complex challenge ahead for a terrific company. >> john is the complexity that you keep coming back to at all some kind of an insulation for the incumbents o

you're not going to see multiple expansions >> it'll take time >> let's see with cvs, there's the aetnas spread. get the deal done, there's 16% then we can address where we are in the cycle, where we are in pharma pharmacy, but, again, a $500 billion market, quite frankly, that's big these two players are very, very big, walgreens and cvs it will take time for this all to play out. >> is the fact they do the tie-up with jpmorgan and be berkshow what a threat it is because they are linked? >> trying to sort the if any this is the place to look, just given where the spending is in the economy for amazon it's also the place you have to look if you want to rationalize delivery of health care. maybe they philosophically fit together, but i don't think that means there's a turn i think the threat to the kind of food chain of pharmaceutical delivery was going to be there anyway because there's a lot of suspicion about friction and how many toll takers are in the middle of it >> this company will not have lower prices they are going to have the same prices as the pharmacy so you're not getting

aetna and cvs. >>> going for the triple crown justify is looking to be lucky 13 at the belmont stakesy, something only 12 other horses have ever done. we're going to talk to legendary horse trainer bob baffert about the race and the impact of legalized sports betting and a special interview with the chairman of the s.e.c., jay clayton. a quick look also at tesla here. shares up 4% after elon musk's bullish outlook for the model 3 and the dow is up 82 "squawk on the street" is back in a moment. so no matter what you trade, or where you trade, you'll only pay $4.95. fidelity. open an account today. welcome to holiday inn! thank you! ♪ ♪ wait, i have something for you! every stay is a special stay at holiday inn. save up to 15% when you book early at hollidayinn.com >>> big bets on horse racing this week. new york states hosts the 150th belmont stakes on saturday this time there's a triple crown on the line. justify is gunning to become the on -- only the 13th horse in history to do this only 12 horses have done it in the past join us from post 9, horse stify, bob baffert and theah and p

and my prediction is in addition to a number of announced deals like cvs buy, aetna, comcast now jumpingo the fray to buy the fox media assets in competition to disney, the gates are wide open gates are wide open for more deals, for the closure of existing deals you might have seen yesterday there was a complete collapse of the spread in other words, risk reduction in all these aforementioned deals. comcast came after the close on wednesday and what we are is we're back to the rules that we thought we had you know, and that's good. uncertainty is not good. certainty is good. >> so the decision actually provided opportunity for merger arb then >> it provides opportunity for the successful closure of existing deals, but it's also bringing in new deals. so, we saw comcast we saw 24 hours later, show up now we have a bidding war for these fox assets i'm predicting over the next couple of months we're going to see a lot of these types of deals come that have been on the back burner, basically on the sidelines waiting to see how is the judge going to rule. is anti-trust what we thought it was

discontribute betributors a factor in the massive consolidation we've been seeing including cvs's purchase of aetna. and those worries have abated a bit as it became clear that amazon didn't have the right licenses, and it signaled that it may be backing off. but with its first of pill pack, it appears to be back in the game once again. pill pack is a five-year-old online pharmacy specializing in patients with multiple prescriptions. the announcement didn't include deal terms, but it is thought to be around $1 billion with that wiping multiple off the valuations of cvs, rite aid and amazon isn't signaling what it will do, but everyone seems to be interpreting this as the first move it needs to make. >> and the key asset that they had, drug distribution rights in 50 states whereas amazon wouldn't have to go through the regulatory process now >> right they get the licenses and know-how and also the technology of really managing prescriptions and interacting with patients and pharmacies and doctors online that can basically serve as an infrastructure >> and there was a note that prescriptions are stic

express scripts, aetna, cvs, all of them on the upside. just cigna down a tiny little bit.own a buck right there. jack hough with us to discuss what i'm calling a huge corporate deal in the, in the works i guess you could say. look, i'm saying that that, that judge's ruling opens the floodgates to the money guys, the apples of this world, the facebooks of this world to go into the media business in a big way. where am i going wrong with this? >> i think you're right. there is no conditions on the deal. you have to be very excited about this you showed a bunch of tv properties. if you're a tv small fry you have to be very excited. if you're a lionsgate, studio small fry, any independent operations will get snapped up. the moves in the health care stocks are just as big as the ones in the media stocks. surprising to me. stuart: merger madness, if you can call it. >> i think there will abiding frenzy. i think the price we get, the bids we get between disney and comcast will surprise people. we're not doing ev, to ebitda, valuing media assets. we're talking about hulu, each wit

i do think walgreens and cvs have known this since cvs, the deal at aetna is pretty much in defense becausefront store and the future threat of pharmacy walgreens is doing partnerships with united, with urgent care stores they're doing it with humana and so they are responding whether or not it's enough for walgreens, we'll see but there's definitely a threat i think of amazon coming into the drug distribution chain. >> we just spoke with scott gottlieb and asked him what he thought about getting involved in these markets he thinks it's good for competition. and that in turn could bring down prices. >> yeah, i think so. depends what they do do they just remain a drug distributor and do a great job of online order fulfillment. or do they take this to the next level with more transparency in the retail shopping platform the generics, they have 100 million strong platform. so they can get low cost generics walmart does $4 and $9 generics. amazon needs to respond to that. maybe they don't do branded right away but that'll attract prime members into their so-called online front store so it's fai

remember the recent large-scale aetna breach that disclosed some of its members' h.i.v. status. but there are also small-scale breaches that don't make the news, but can have devastating consequences for patients trying to recover and get treatment. for example, a recent investigation detailed instances where a health care organization's employee peeked at the record of a patient 61 times and posted details on facebook while another improperly shared a patient's health information with the patient's parole officer. breaches such as this are very concerning. and could occur more often as a result of this legislation. while i appreciate the sponsors' efforts to alleviate these concerns, i do not believe the potential harm that could be caused by eliminating the patient consent requirement under existing law for treatment, payment and health care operations can be remedied through the measures included in this bill. the inclusions of these provisions cannot compensate for the risk of stigma, discrimination and negative health and life outcomes for individuals with opioid use disord