Included In Plan
This term is set forth by the federal government, the information was taken from a federal website; CLICK HERE.
The term medical marijuana refers to using the whole unprocessed marijuana plant or its basic extracts to treat a disease or symptom. The U.S. Food and Drug Administration (FDA) has not recognized or approved the marijuana plant as medicine. However, the scientific study of the chemicals in marijuana, called cannabinoids, has led to two FDA-approved medications that contain cannabinoid chemicals in pill form.
Continued research may lead to more medications. Because the marijuana plant contains chemicals that may help treat a range of illnesses or symptoms, many people argue that it should be legal for medical purposes. In fact, a growing number of states have legalized marijuana for medical use. Read more about marijuana-related state laws at CLICK HERE
Currently, the two main cannabinoids from the marijuana plant that are of medical interest are THC and CBD.
The chart below shows the minimum savings being apart of the MedPlan. Just by spending a minimum of $150 per month, then this health plan is for you. Not to mention the savings from other products and services in your package.
THC increases appetite and reduces nausea. The FDA-approved THC-based medications are used for these purposes. THC may also decrease pain, inflammation (swelling and redness),and muscle control problems.
For instance, recent animal studies have shown that marijuana extracts may help kill certain cancer cells and reduce the size of others. Evidence from one cell culture study suggests that purified extracts from whole-plant marijuana can slow the growth of cancer cells from one of the most serious types of brain tumors. Research in mice showed that treatment with purified extracts of THC and CBD, when used with radiation, increased the cancer-killing effects of the radiation (Scott, 2014). CBD is a cannabinoid that does not affect the mind or behavior. It may be useful in reducing pain and inflammation, controlling epileptic seizures, and possibly even treating mental illness and addictions.
NIH-funded and other researchers are continuing to explore the possible uses of THC, CBD, and other cannabinoids for medical treatment.
Included In Plan
Note: In order for CBD to be effective in the body it is recommended that a minimum dose is to be 1000 mg per month for wellness and for chronic ailments a minimum of 1500 mg per month is suggested
What is CBD, and how is it different from marijuana’s psychoactive form of cannabis that we others have consumed? Let’s put this myth to rest, “Hemp does not contain psychoactive elements, those same elements that get you high (less than 1% THC) varieties of Both hemp and marijuana come from the same cannabis species, but are genetically distinct and are further distinguished by use, chemical makeup, and cultivation methods.
What are the medicinal properties of Hemp, this can be a reference,
https://healthyhempoil.com/cannabidiol/ but we lay to claim to any unstudied conclusions.
However, the medical portray of CBD which is the key ingredient. There are over 60 compounds of CBD. Cannabis growing techniques have managed to create varieties with high levels of CBD and next to zero levels of THC (again the psychoactive element).
Although CBD and THC act on different pathways of the body, they seem to have many of the same medical benefits. According to a 2013 review published in the British Journal of Clinical Pharmacology, studies have found CBD to possess the many beneficial medical properties.
The chart below shows the minimum savings being a part of the MedPlan. Just by spending a minimum of $150 per month, then this health plan is for you. Not to mention the savings from other products and services in your benefits package.
CBD Savings Chart
Included In Plan
Save Even More With The Novus Rx Card
Novus Rx Card is your health advocate where we have negotiated the lowest overall prices with over 60,000 pharmacies nationwide. Save 14% to 21% on brand prescriptions and up to 90% on generics.
Prices vary dramatically between pharmacies, but with the Novus Rx Card there is no need to shop around, just go to your favorite pharmacy and you will receive the lowest prices available.
How Does The Card Work?
It starts with you the consumer when people join together to purchase in large quantities, everyone saves! Novus Rx Card, covers millions of people and leverages the power of group purchasing to negotiate these discounts on behalf of our members. The drug pricing tool helps you price compare the prescription you need at all local participating pharmacies.
Who Pays For The Discount?
The pharmacies! They not only give our members fantastic discounts, but they also pay us a small transaction fee each time we process a prescription through our network. This allows us to continue to operate, grow, and save our members money! For the first time, the individual consumer gets access to pricing typically reserved for the largest insurance companies.
Why Do the Pharmacies Participate in This?
Simple! Because when you come to their store to fill a prescription you also typically buy personal care products and other miscellaneous items from their retail store. This is good business for them, good business for us, and big savings for you.
How Much Will I Save?
Any FDA-approved medications are available within our pricing network, but the savings we have access to are not the same for every drug. We find that our pricing is typically much less expensive than the insurance company pricing for generic drugs. For brand name drugs, the savings are usually less. The good news is, our online drug pricing tool suggests any and all alternative generic drugs for your prescription (when available) and helps you shop for the best price from all the participating pharmacies in your area.
Is My Privacy Protected?
Yes always! Your medical and prescription information is never shared with us by your pharmacy. HIPAA regulations carefully cover such sharing of information in order to protect the consumer. Novus fully complies with HIPAA regulations we never sell that information to anyone.
Included In Plan
Careington has owned and managed dental networks for 30 years and has recently contracted with DenteMax, another quality dental network provider, to create a “combined” national discount dental network with a significant presence. This combined network is known as the Maximum CareDiscount Plus Network.
The Maximum Care Discount Plus Network creates one of the largest dental networks nationally with a focus on neighborhood dentists. The network combines the outstanding network management skills of two great organizations and results in discounts of 5% to 60% below the 80th percentile of Reasonable and Customary charges.
Members are able to take advantage of the savings offered by leaders in the dental care industry.
Four Bitewing X-rays
Composite (White) Filling Code
Complete Upper Denture
Molar Root Canal
Extraction (single tooth)
* Regular cost is based on the national average of the 80th percentile usual and customary rates as detailed in the 2014 FairHealth Report in the Los Angeles, Orlando, Chicago, and New York City metropolitan statistical areas.** These fees represent the average of the assigned Maximum Care (DN15)fees in the Los Angeles, Orlando, Chicago, and New York City metropolitan statistical areas.
Prices subject to change.
Not Included In Plan
Novus through its partnerships is affiliated with the nation’s largest eye care provider to help members save 15% to 35% off eye exams and eyeglasses. Members will pay no more than the maximum amount shown based on their regional fee schedule. Depending on the doctor’s location, the maximum costs and savings will vary. With over 50,000 participating points of care in retail and medical locations, participating providers will look for more than just vision problems. Preferred providers can detect signs of serious health conditions like glaucoma, diabetic eye disease, high blood pressure, and high cholesterol.
Single Vision Lenses
*These costs and savings are based on regional
fee schedule averages. The product is not available in MT, VT, and WA.
Members will receive savings of 40% to 50% off the overall national average cost for Traditional LASIK surgery through QualSight or receive significant savings on newer procedures like Custom Bladeless (all laser) LASIK. QualSight has more than 750 locations, so members can choose the provider and the LASIK procedure that meets their vision care needs. QualSight is contracted with credentialed and experienced physicians who have collectively performed over 4 million procedures.
Not Included In Plan
Save 40% on diagnostic services, including hearing exams and at over 3,400
provider locations nationwide. Hearing aid low price guarantee: If you should
find the same product at a lower price, bring us the local quote and we’ll not
only match it, we’ll beat it by 5%! 2 years of free batteries (80 cells per hearing aid, per year)
Global Total Health services include:
· Savings from 52% to 72% off the retail prices of diabetic testing supplies
· A free talking meter or dash meter that is simple, easy and accurate
· Advocate Redi-Code Talking Glucose Meter – 69% off retail price
· Advocate Redi-Code Test Strips – 56% off retail price
· Advocate Lancet Device – 67% off retail price
· Advocate Control Solution – 52% off the retail price
· Priority delivery with no shipping or handling costs or fees
· Wholesale pricing to members that is 57% less than current costs for comparable products and strips
· The world’s most advanced diabetic testing meters
· Bilingual audio functions in both English and Spanish in all meters
· Meters with a large screen display for greater ease of use for the visually impaired
· Meters that allow alternate site testing, with small sample size, and no finger pricking
· Meters that store up to 450 test results, downloadable to a computer in real-time
Not Included In Plan
A simple blood test is necessary for the prevention or early detection of diseases.
The earlier a problem is identified, the easier and more likely it is to be treated.
DirectLabs (DLS) is the leader in direct access to laboratory testing.
DLS offers a wide variety of important health and wellness blood chemistry tests at
discounted prices, saving members 10% to 80% off regular retail pricing at
over 3,000 certified labs nationwide.
This program was specially designed to reduce the out-of-pocket costs on
MRI, CT and PET scans. A premier diagnostic scheduling service that
provides members and their family with savings from 10% to 60%
on advanced imaging procedures at over 2,400 radiology facilities
Imaging Service Includes:
Included In Plan
Telemedicine provides care without the hassle and cost of visiting your doctor, clinic or hospital. Your lifestyle is busy enough so why don’t you simplify it with Telehealth from Novus Cannabis MedPlan. This Telehealth Plan you will enjoy access to medical professionals 24 hours a day, 365 days a year with board-certified and state-licensed physicians available to diagnose you immediately.
Best used when:
States where THC is legal: AZ, AK, CA, CO, CT, FL, HI, IL, MA, MD, DC, MI, MO, NV, NJ, NM, NY, OH, OR, PA, VT, WA
States where it’s THC illegal: AL, AR, GA, ID, IN, IA, KS, KY, LA, MN, MS, MT, NE, NC, ND, OK, RI, SD, TN, TX, UT, VA, WV, WY
States where CBD is legal: AL, AZ, AR, AK, CA, CO, CT, FL, GA, HI, IL, IN, LA, IA, KS, KY, MA, MD, MN, MS, MT, DC, MI, MO, NC, ND, NV, NJ, NM, NY, OK, RI, OH, OR, PA, VT, WA, TN, TX, UT, VA, WV, WY
States where it’s CBD illegal: ID, SD, NE
All CBD Products Are Dropped From Provider
See Provider Locator Map Below
Download: Explanation of Benefits 2020
It’s easy to look up your benefits online, including your cannabis network, maximums and deductibles, copayment percentage for standard and orthodontic coverage, and other details. Follow our simple, three-step registration process and log in to our secure system to see your eligibility information and benefits details. You can also print an ID card can be found by Clicking Here.
More from the Support Guide…
We offer THC Plans and CBD Plans or a combination of both:
CBD: Is the non-psychoactive component to cannabis, this is eligible nationwide to patient members 21 and older. CBD—is a cannabis compound that has significant medical benefits, but does not make people feel “stoned” and can actually counteract the psychoactivity of THC. The fact that CBD-rich cannabis is non-psychoactive or less psychoactive than THC-dominant strains makes it an appealing option for patients looking for relief from inflammation, pain, anxiety, psychosis, seizures, spasms, and other conditions without disconcerting feelings of lethargy or dysphoria.
THC: Also known as tetrahydrocannabinol, is the chemical responsible for most of marijuana’s psychological effects. It acts much like the cannabinoid chemicals made naturally by the body, according to the National Institute on Drug Abuse (NIDA). Cannabinoid receptors are concentrated in certain areas of the brain associated with thinking, memory, pleasure, coordination and time perception. THC attaches to these receptors and activates them and affects a person’s memory, pleasure, movements, thinking, concentration, coordination, and sensory and time perception, according to NIDA.
Novus has no restrictions on the amount of cannabis you can purchase, but check with restrictions in your state. The plan is a supplemental plan that offers a straight discount to the total purchase of meds or care services. Cannabis that contains more than .03% of THC. is not legal on the Federal level, which means do not transport cannabis over state lines.
Choosing a New Cannabis Provider
You might be new to Novus Cannabis MedPlan and want to select an in-network Cannabis Provider, or maybe you’ve been enrolled for some time but you’ve decided that it’s time to change Cannabis Providers there is no notification that is needed, Novus MEdPlan gives you the freedmen to choose who you want, the restriction they have to a be a part of our in-network provider.
For many people, choosing a new Cannabis Provider comes down to simply polling friends and neighbors for a recommendation. When you choose a new Cannabis Provider, you’re making an important decision for you and your family. You are entrusting a key part of your overall wellness to someone with whom you’ve had no prior experience. Some careful observations and a little homework can pay off with a successful patient-Cannabis Provider relationship that will last for many years. Use these steps as a resource to help you find the right Cannabis Provider.
First, Establish Basic Criteria
Before you can find a Cannabis Provider, it’s a good idea to have some basic criteria that are important to you:
Second, Search for a Cannabis Provider
One of the best ways to find a list of Cannabis Providers is by using the “Find a Provider Locator” tool on our website by Clicking Here. You can search for Cannabis Providers near a specific address, by name or by specialty. You can also filter search parameters to include the other requirements you identified in step one. When you find some likely candidates, it’s time to dig deeper.
Click on the name of a specific Cannabis Provider to see what services and other information he or she provides, such as map, languages spoken, treatment hours and special office features. Many Cannabis Providers also provide a link to their website if they have one. Our “Find a Provider Locator” by Clicking Here. This tool helps you expand or narrow your filters to these specifications and more. And while the directory automatically finds network Cannabis Providers that match your plan design, you can also expand your search to other Novus Cannabis MedPlan Cannabis Providers.*
Third, Work the Phone
A Cannabis Provider’s website is a great place to start, but you may also want to call the office to do further research on the potential dispensaries or delivery services you’ve found. Here are some questions you may want to ask:
If you are satisfied with the responses you’ve received, it’s time to make an appointment with the dispensary you think best meets your needs.
Why Choose a Novus Cannabis MedPlan Cannabis Provider?
For Novus Cannabis MedPlan enrollees
There are advantages to choosing a network Cannabis Provider – quality, convenience and cost savings. And with approximately four out of five Cannabis Providers represented in our network, you’ll likely find a network Cannabis Provider conveniently located near your home or work.
Here are a few reasons why visiting a Novus Cannabis MedPlan Cannabis Provider is recommended:
What if your Cannabis Provider isn’t a Novus Cannabis MedPlan Cannabis Provider?
Depending on your plan, you may be able to continue visiting your current Cannabis Provider.
Determine your plan and network
The Novus Cannabis MedPlanTM are plans allow you to visit any licensed Cannabis Provider. You’ll usually pay lower out-of-pocket costs. Even with the potential cost savings of a Novus Cannabis MedPlan Cannabis Provider, you may decide to visit a non-Novus Cannabis MedPlan Cannabis Provider. Keep in mind that in addition to higher out-of-pocket costs, you may have to pay the full cost of meds or service.
Recommend your Cannabis Provider for Novus Cannabis MedPlan network participation
So what should you do if you have a great Cannabis Provider who isn’t in your plan’s network? Let us know.
If your Cannabis Provider isn’t already part of your Novus Cannabis MedPlan network, you can recommend him or her for participation by completing an online form. We’ll review your Cannabis Provider’s background, then send participation information and an invitation to join the network.
Recommend your Cannabis Provider for one of the following networks:
Need Help Finding Your Cannabis Provider?
If you’ve searched for your Cannabis Provider on our “Find a Cannabis Provider” tool, but your Cannabis Provider does not appear in the results, try the following tips:
If you still can’t find your Cannabis Provider, chances are that he or she isn’t in our network. What should you do if you have a great Cannabis Provider who isn’t in our network? Let us know. If your Cannabis Provider is not already part of your Novus Cannabis MedPlan network, you can recommend your Cannabis Provider for participation by completing an online form, and we’ll invite him or her to join.
What Should You Expect From Your Cannabis Provider?
Whether you are visiting your Cannabis Provider for the first time or it’s a return visit, it’s important that you are confident in the quality of care that your Cannabis Provider provides. And starting with first impressions, a welcoming reception area and a clean and neat office environment are often signs of a well-run practice.
Note how promptly you are greeted and how long you’re asked to wait before being treated. While it’s not realistic to expect the practice to always be right on schedule, it is reasonable to expect to be told within a few minutes of your arrival whether there will be a delay.
During your visit, ask yourself these questions:
Viewing your eligibility information online
To get started in viewing your eligibility and benefits information, follow our easy, three-step registration process to log in to this web site.
Your eligibility information includes:
You may also print an ID card. by Clicking Here
Please check with your employer or group for verification.
Unsatisfactory With Provider Services
All Novus Cannabis MedPlan Cannabis Providers are required to meet professionally recognized standards for the quality of their services. If you are unhappy with the care you received from a network Cannabis Provider, Novus Cannabis MedPlan can review the services or arrange for you to be examined by one of our consulting Cannabis Providers in your area. If Novus Cannabis MedPlan or the consultant finds that the services were not satisfactory, Novus Cannabis MedPlan will ensure that the original Cannabis Provider will address your issue Please contact the customer service number for your plan (listed in your evidence of coverage or certificate of coverage) if you are dissatisfied with care received from a network Cannabis Provider.
Novus Cannabis MedPlan is committed to protecting patient rights. We believe that you, as a Novus Cannabis MedPlan enrollee, have the right to expect quality, affordable care that protects not only your health but also your privacy and ability to make informed choices. We also believe that you have certain responsibilities to help protect these rights.
The Right to Choose
Novus Cannabis MedPlan maintains some of the largest cannabis Provider networks in the industry — each with a full range of specialists — to give you the widest possible choice of Cannabis Providers.
The Right to Quality Assessment
We have programs to monitor the quality of care provided by Cannabis Providers who participate in our networks. Each Cannabis Provider who contracts with Novus Cannabis MedPlan agrees to provide care that meets the high standards of the cannabis profession. Cannabis Providers participating in our prepaid network undergo even more checks of their credentials and office procedures. Any issues Novus Cannabis MedPlan will fully investigate the matter and can arrange for you to be reimbursed and/or retreated where appropriate.
The Right to Affordability
Novus Cannabis MedPlan works with Cannabis Providers to establish fair and reasonable compensation. Novus Cannabis MedPlan contracts prohibit Cannabis Providers from billing you for charges in excess of the amounts determined by us before your service, and for services that should be included with certain procedures, or for any amount that is Novus Cannabis MedPlan’s responsibility.
The Right to Full Disclosure
You have the right to clear and complete information about your benefits, including treatment that is subject to limitations or not covered. You are entitled to know what your share of costs will be before you receive treatment (“pre-treatment estimate”), and how Novus Cannabis MedPlan compensates your Cannabis Provider. Novus Cannabis MedPlan provides materials to explain these features to you.
You are entitled to hear about all treatment options your Cannabis Provider may recommend, whether covered or not and to obtain a second opinion if you choose.
To request a copy of your Evidence of Coverage, please contact us.
The Right to Privacy
Novus Cannabis MedPlan vigorously supports and protects the privacy of patient records. Novus Cannabis MedPlan also supports your right to gain access to all information pertaining to claims submitted on your behalf. Data are used only for the purposes of designing and administering effective med plans — information isn’t sold or used for third-party marketing efforts.
The Right to Security
You are entitled to a med plan backed by a financially stable institution. Novus Cannabis MedPlan’s current reserve (several months of claims payments) helps to ensure the corporation can meet its expected financial obligations, as well as to withstand unforeseen business developments without risk to you, your Cannabis Provider or employer.
Get your ID card
Looking for your ID card? Log In here to obtain it:
Adding a Spouse or Dependent to Your Plan
If you are covered under a group plan, Novus Cannabis MedPlan receives the information about covered family members from your employer, organization or other group sponsors. Please follow the procedures at your company or organization to add, delete or change information about covered family members.
If you are an individual member with Novus Cannabis MedPlan or if you have coverage through AARP, please contact us.
How Long Will It Take To Process My Claim?
There is no claims processing, it is a discount medical plan
Is This Insurance?
Note on benefits of providers Careington dental savings plans are NOT insurance and the savings will vary by provider, plan and zip code. These dental plans are not considered to be qualified health plans under the Affordable Care Act. Please consult with the respective dental plan detail page for additional plan terms. The discounts are available through participating healthcare providers only. To check that your provider participates, visit our website or call us. Since there is no paperwork or reimbursement, you must pay for the service at the time it’s provided. You will receive the discount off the provider’s usual and customary fees when you pay. We encourage you to check with your participating provider prior to beginning treatment. Special promotions including, but not limited to, additional months free are not available to California residents or on Fully Insured Plans. Note – not all plans and offers available in all markets.
THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. This plan does not meet the minimum creditable coverage requirements under M.G.L. c.111M and 956 CMR 5.00. This plan is not a Qualified Health Plan under the Affordable Care Act. This is not a Medicare prescription drug plan. The range of discounts will vary depending on the type of provider and service. The plan does not pay providers directly. Plan members must pay for all services but will receive a discount from participating providers. The list of participating providers is at CareingtonDentalSavings.com. A written list of participating providers is available upon request. You may cancel within the first 30 days after effective date or receipt of membership materials (whichever is later) and receive a full refund, less a nominal processing fee (nominal fee for MD residents is $5, AR and TN residents will be refunded processing fee). Discount Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380.
Member will authorize Novus Cannabis MedPlan to charge your credit card or ACH bank account indicated in this authorization form according to the terms outlined during enrollment. Member will be charged a one time $12.95 fee and the first month premium thereafter, a recurring billing of the monthly charge.