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Plan Description


First Nationwide Premier Legal Cannabis Health Plan


Get Healthy, Stay Healthy with THC & CBD cannabis, and all your healthcare costs.

Novus Cannabis Medplan is a new approach to reducing your  health care costs with cannabis with CBD & THC.  

Plans start at $26.95 where you get access  to thousands of products & services in Novus's provider network.

Novus has the country's best providers that give you more to your cannabis experience than any other health plan. We cover the entire health care spectrum, you will be able to reduce your overall health care costs by taking advantage of significant discounts on dental, vision, hearing coverage, prescriptions, medical supplies, telemedicine, and more!

Are you tired of traditional medication? Do you suffer from  PTSD? Arthritis?  Chronic Pain?  Do you want to save $$ on your current cannabis purchases & scrips?

  • NO medical card required
  • Guaranteedd Issue
  • Save from 35 % to 65% on all  Cannabis meds and care services and pay less upfront!
  • No copays, no  deductibles, no long term contracts &  immediate approval!

Novus is continually expanding to ensure you have access to providers in your area.  Many of our network providers have home delivery services.


Benefits Information

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 .

More from the Support Guide…

Cannabis MedPlans

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 member/employees 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:

  • Is location important? For many of us, this means finding a Cannabis Provider close to home, work or school. It’s easier to keep appointments if the Cannabis Provider’s office is nearby. If there is not a physical location near you try looking for cannabis delivery.  
  • What core features are you looking for in a Cannabis Provider? For instance, you may need a Cannabis Provider who specializes in treating handicap-accessible location if you have a disability. Is a Cannabis Provider who can provide language services or translations a consideration?
  •  

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 .  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 . 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:

  • What are the Cannabis Provider’s educational background and credentials?
  • What should I expect during my visit? 
  • Will the clinic staff review my med options and costs before I purchase them? 
  • What are the Cannabis Provider office hours?
  • How has the Cannabis Provider kept abreast of new developments in the Cannabis Industry? Cannabis Providers and practice staff use continuing education courses, seminars, and trade shows 
  • Use your conversation as an opportunity to gauge how you are treated by the office staff. A staff of courteous, knowledgeable and friendly people can help alleviate the anxiety of your visit.

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:

  • Save money. Our network Cannabis Providers agree to never balance bill you more than their contracted fee. 
  • Payless upfront. Novus Cannabis MedPlan negotiates your med purchases ahead of your visit with the dispensary directly. You pay the Cannabis Provider only your portion of the meds or services, nothing extra.
  • No expensive and unnecessary ”unbundling.” Novus Cannabis MedPlan ensures you’re never charged extra for services that should be included in the cost of meds or service care. 
  • Quality you can count on. Novus Cannabis MedPlan Cannabis Providers are properly licensed and meet accepted standards for cleanliness and safety procedures. Plus, Novus Cannabis MedPlan representatives work with Cannabis Provider offices to keep them updated on policies and network contracting requirements.

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:

  1. Enter your Cannabis Provider’s last name into your search criteria. If you don’t specify a name, the directory will select up to 100 Cannabis Providers who meet your search criteria.
  2. Change the Specialty field. Your Cannabis Provider may be a specialist. Use the filter on the left side of your screen to select the appropriate field.
  3. Your Cannabis Provider may not practice in the city or ZIP code that you specified. Try using only the first three digits of the ZIP code to broaden your search.
  4. If you are a Novus Cannabis MedPlan network. Your Cannabis Provider may be a Novus Cannabis MedPlan Cannabis Provider, but may not participate in the Novus Cannabis MedPlan network. Your Novus Cannabis MedPlan plan also allows you to visit Novus Cannabis MedPlan Premier Cannabis Providers, although, typically, you’ll enjoy lower costs when you select a Novus Cannabis MedPlan PPO Cannabis Provider.
  5. Ask your Cannabis Provider. He or she may have recently joined Novus Cannabis MedPlan.

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:

  • Does the dispensary present a professional atmosphere and a willingness to address your concerns? Is your medical history thoroughly reviewed prior to treatment or is it an afterthought? Health problems.
  • When you purchase your meds are staff member/employees wearing masks, gloves and appropriate attire? Are gloves disposed of between patients?
  • Is a med regiment plan presented to you? Have questions about the proposed regiment been adequately explained, as well as the risks, alternatives, cost, and benefits?
  • The financial arrangements outlined prior to your purchase? Does the office explain how they handle insurance and billing?

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:

  • Your current eligibility status;
  • The date you became eligible;
  • Your plan type, group name, and other useful information.

You may also print an ID card. by 

 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.

Patient Rights

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 member/employees 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 member/employees.

If you are an individual member/employee 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.

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 member/employees 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.


Last updated on April 10, 2020 Terms of Service and Privacy Policy Patient /Provider/Affiliate with Limitations 
Welcome to novusmedicalgroup.com (the “Site”), provided by WCIG Insurance Services, Inc.
Inc., and its affiliates, subsidiaries, parent company, and other related companies (“Us”, “We”, or “Novus”). This Novusmedicalgroup.com Privacy Policy (“Policy”) describes the information we gather from you when you use the Site, mobile applications, and related services (together, the “Services”) and how we use, process, and disclose that information. We may add to this Policy with other notices. We may also post additional privacy statements for some portions of the Services. By submitting personal information through our Services, you expressly consent to the transfer of your personal data to our servers for our collection, use, and disclosure in accordance with this Policy.

Information We Collect
When you create an account and use our Service, we collect the following types of information from you: First and Last Name, Contact information such as your email address and phone number,
Demographics information such as your gender and location, any other information, such as reviews, content, credit card information, order history you provide us. If you create an account using, or otherwise connect your account to, a social networking services account (e.g. Twitter or Facebook), we may also collect information provided to us by such social networking service including, for example, your: name, email address, birthday, geographic location, interests, profile picture, gender, networks, user ID, list of friends, and any information you have made public on such social networking account. We automatically collect information about how you use our services, for example, pages you have viewed. We also collect certain technical information about your device including your Internet protocol address, geolocation information, your browser type, language and identifying information, your operating system and application version, device types, device model and manufacturer, device identifiers, and your device operating system type and version. We also use cookies, Web beacons, and URL information to gather information regarding the date and time of your visit and the information for which you searched and which you viewed. Cookies are small pieces of information that a website sends to your computer’s hard drive while you are viewing a website. We may use both session cookies (which expire once you close your web browser) and persistent cookies (which usually stay on your computer until you delete them) to provide you with a more personal and interactive experience on our Site. Web beacons are digital images that are used to log information on the Services or in our emails. We use Web beacons to manage cookies, count visits, and to learn what marketing works and what does not. We also use Web beacons to tell if you open or act on our emails. Others, including third-party analytics service providers and advertising partners, may also collect personally identifiable information about your online activities over time and across different Web sites when you use our Services, including as described in this Privacy Policy. This Policy does not apply to and we are not responsible for those other parties. Third-party analytics services may use cookies and web beacons through our Site (for example Google Analytics and our credit card processor) and platform device identifiers and software agents on and through our mobile Services (for example Google Analytics) to provide us with information about how you use and interact with our Site. We encourage you to review the privacy policies of these third parties to learn about your choices about the information they collect from you.

Sharing Of Your Information
Novus may allow you to connect and share your actions, comments, content, profile, and information publicly or with other people. You may control some of the categories of personal information shared via your profile from the account settings menu on the Site. Please be mindful of your own privacy needs as you choose who to connect with and what to share and make public. We cannot control the privacy or security of information you choose to make public or share with others. Novus may also provide you with the option to share certain information from your Novus account with social networking services like Facebook, Google, or Twitter. We are not responsible for the use or re‐sharing by others of any of your information once it is made public. If you do not want your information to be made public, you should not use Novus in this manner and/or you should adjust your privacy setting(s)s on the applicable social networking service accordingly. We are not responsible for and we do not control these social networking services privacy practices. Please review the applicable privacy policy for information about how they use your information.

How Novus Uses Your Information
Novus generally uses your information to:
1. Facilitate the creation of and secure your account on the Services,
2. Identify you as a user in our system,
3. Provide, personalize, and improve the Services,
4. Communicate with you about your use of the Services,
5. Provide our provider network with information about you for your order,
6. Develop new products and services,
7. Customize the advertising you view and recommend content,
8. Fulfill your requests,
9. Send newsletters, surveys, offers and promotional materials related to the Services and for other marketing purposes of Novus using your contact information,
10. Protect, investigate, and prevent potentially fraudulent, unauthorized, or illegal activities,
11. Protect our rights and the rights of other users, and
12. As otherwise described in this Privacy Policy or in notices we provided to you.
We may also use your information to verify your geographic location. We may use your geographic location data to personalize our Service, to recommend content, determine whether the information you have requested is available in your location.
How Novus Discloses Your Information
We may share your information as follows:
1. We may share your personal information with your consent or at your direction.
2. We may also share your information with others who perform services on our behalf (for example, with Twilio or Asterisk if you make a call using the Service).
3. We may disclose your information if we believe we are required to do so by law, or to comply with a court order, judicial or other government subpoenas, or warrant.
4. We also may disclose your information if we believe doing so is appropriate or necessary to prevent any liability, or fraudulent, abusive, or unlawful uses or to protect Novus and our Services; or any rights, property, or personal safety of Novus or others.
5. In the event that Novus is or may be acquired by or merged with another company or involved in any other business deal (or negotiation of a business deal) involving sale or transfer of all or part of our business or assets, we may transfer or assign your information as part of or in connection with the transaction. Finally, in the event of insolvency, bankruptcy, or receivership, information may be transferred as a business asset. We may also share aggregated and anonymized data with our partners, advertisers, and other third parties.

Third-Party Advertisers
We permit advertisements to be delivered to you by third-party Internet advertising companies (also called ad networks or network advertisers). These companies may use cookies, Web beacons, platform device identifiers, software agents, and other technologies to collect non‐personally identifiable information about your visits over time on our Service and across other websites to deliver advertisements to you targeted to your interests, measure their effectiveness and personalize advertising content, and to understand the usage and visitation of the Services and the other applications and websites tracked by these advertising companies. We do not have access to or control over cookies, Web beacons, platform device identifiers, software agents, or other technologies that they may use. We are not responsible for the privacy practices of third-party advertisers. You should check the privacy policy of the third-party advertiser to determine how it handles information it separately collects from you. In addition, the Network Advertising Initiative offers information about some of the Internet advertising companies we may use. Affiliate can only market to states where Novus MedPlan is licensed. Providers and Members can only sign up in states where Novus MedPlan is licensed.

Security
Novus takes commercially reasonable steps to help protect your Information against loss, misuse, and unauthorized access, or disclosure. No company can fully prevent security risks, however. While we strive to protect your personal information, we cannot Guaranteed its absolute security. To help protect yourself and your information, choose a unique password for our Services and do not use a password on our Services that you would use on any other website or online service.
Dispute Resolution
If you believe that Novus has not adhered to this Statement, please contact Novus by email at info@novusmedicalgroup.com. We will do our best to address your concerns. If you feel that your complaint has been addressed incompletely, we invite you to let us know for further investigation.

Information Choices
You may opt-out of receiving promotional emails from Novus by following the instructions in those emails. If you opt-out, we may still send you non‐promotional emails, such as emails about your accounts or our ongoing business relations. You may also send requests about your personal information, including changes to your contact preferences, changes to or deletions of your information or content you post, and requests to opt‐out of sharing your personal information with third parties by emailing info@Novusmedicalgroup.com. Please note that deletion of your information or content does not ensure complete or comprehensive removal of the content or information posted on the Services. When you visit the Site, others and we give you the following choices about the use of mechanisms for tracking, including tracking of your online activities over time and across different websites and online services by third parties. Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies from our Site or from third parties. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Site. To opt‐out of Google Analytics web tracking for certain browsers, you can download Google Analytics Opt‐out Browser Add‐on. You may opt-out of other cookies that may be present on the Site by following the directions on Google’s opt‐out page, ScorecardResearch’s opt‐out page, and Quantcast’s opt-out page. You can also choose to opt‐out of the use of cookies by some of our third-party advertising partners to deliver ads tailored to your profile and preferences. To find out more and opt‐out . However, while we and others give you choices as described in this policy, there are many ways in which Web browser signals and other similar mechanisms can indicate your choice to disable tracking, and our Site may not be aware of or honor every mechanism. You may have the right to know what personal information Novus has about you and to correct any inaccuracies. Please direct any such requests by email to info@novusmedicalgroup.com or by one of the other means listed below.

Changes and Updates to this Privacy Policy
From time to time, we may revise the Policy. To help you stay current of any changes, we note the date the Privacy Policy was last updated above.

Novus Contact Information
Please contact Novus with any questions or comments about this Policy, your information, our third‐party disclosure practices, or your consent choices.
Novus Cannabis MedPlan
Attention: Privacy Officer
2665 S Bayshore Drive #220
Miami, FL 33131
Telephone: 855‐228‐7355
Email: info@getnvousnow.com
Payment

All major Credit/Debit Cards, Bankers Draft or ACH Transfer are all acceptable methods of payment. Our Terms are payment in full within thirty days. All goods remain the property of the Company until paid for in full. Monies that remain outstanding by the due date will incur late payment interest at the rate of 2% above the prevailing BV&T Bank of Florida and the base rate on the outstanding balance until such time as the balance is paid in full and final settlement. We reserve the right to seek recovery of any monies remaining unpaid sixty days from the date of invoice via collection Agencies. Returned checks will incur a $45 charge to cover banking fees and administrative costs. In an instance of a second Returned check, we reserve the right to terminate the arrangement and, if agreed to, we shall insist on future cash transactions only.
Consequently, all bookings and/or transactions and agreements entered into will cease with immediate effect until such time as any and all outstanding monies are recovered in full.

Cancellation Policy
Cancel anytime: Network membership with recurring premium payments may be canceled at any time. You can do this by providing written notice to via email at info@novusmedicalgroup.com Or, you can deliver the notice directly to the Operations Manager our facility via certified mail to 12805 SW 84 Ave Road, 2nd floor, Miami, Florida 33156 or, If you deliver the notice in person, please be sure to get a receipt for your records. A cancellation postmarked at least 5 business days before your next billing date should result in no further recurring billing. If less than 5 business days, you may be billed one more time. If this occurs, Novus will refund that additional billing.
If you do decide to cancel your membership, you can still use the club for the additional time covered by the pre‐paid last month’s premium we collected at enrollment. Your last month prepaid dues will be applied to the month AFTER the month paid by your final recurring billing, and your membership will expire at the end of that prepaid last month.
Termination of Agreements and Refunds Policy
Both the Client and ourselves have the right to terminate any Services Agreement for any reason, including the ending of services that are already underway. No refunds shall be offered, where a Service is deemed to have begun and is, for all intents and purposes, underway. Any monies that have been paid to us which constitute payment in respect of the provision of unused Services, shall be refunded.
Availability
Unless otherwise stated, the services featured on this website are only available within the United States, or in relation to postings from the United States. All advertising is intended solely for the United States market. You are solely responsible for evaluating the fitness for a particular purpose of any downloads, programs, and text available through this site. Redistribution or republication of any part of this site or its content is prohibited, including such by framing or other similar or any other means, without the express written consent of the Company. The Company does not warrant the service from this site will be uninterrupted, timely or error-free, although it is provided to the best ability. By using this service you thereby indemnify this Company, its employees, agents and affiliates against any loss or damage, in whatever manner, howsoever caused.

Log Files
We use IP addresses to analyze trends, administer the site, track user’s movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information. Additionally, for systems administration, detecting usage patterns and troubleshooting purposes, our web servers automatically log standard access information including browser type, access times/open mail, URL requested, and referral URL. This information is not shared with third parties and is used only within this Company on a need‐to‐know basis. Any individually identifiable information related to this data will never be used in any way different to that stated above without your explicit permission.

Cookies
Like most interactive web sites this Company’s website [or ISP] uses cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate partners may also use cookies.
Links to this website
You may not create a link to any page of this website without our prior written consent. If you do create a link to a page of this website you do so at your own risk and the exclusions and limitations set out above will apply to your use of this website by linking to it.

Links from this website
We do not monitor or review the content of other party’s websites which are linked to from this website. Opinions expressed or material appearing on such websites are not necessarily shared or endorsed by us and should not be regarded as the publisher of such opinions or material. Please be aware that we are not responsible for the privacy practices, or content, of these sites. We encourage our users to be aware when they leave our site and to read the privacy statements of these sites. You should evaluate the security and trustworthiness of any other site connected to this site or accessed through this site yourself, before disclosing any personal information to them. This Company will not accept any responsibility for any loss or damage in whatever manner, howsoever caused, resulting from your disclosure to third parties of personal information.

Copyright Notice
Copyright and other relevant intellectual property rights exist on all text relating to the Company’s services and the full content of this website.

Communication
We have several different e‐mail addresses for different queries. These and other contact information can be found on our Contact Us link on our website or via Company literature or via the Company’s stated telephone, facsimile or mobile telephone numbers.
This company is registered in the state of Florida and is filed as a foreign corporation in your state, phone number 855‐228‐7355, registered office 12805 SW 84 Ave Road, 2nd Floor, Miami, FL 33156.
Force Majeure
Neither party shall be liable to the other for any failure to perform any obligation under any Agreement which is due to an event beyond the control of such party including but not limited to any Act of God, terrorism, war, political insurgence, insurrection, riot, civil unrest, an act of civil or military authority, uprising, earthquake, flood or any other natural or manmade eventuality outside of our control, which causes the termination of an agreement or contract entered into, nor which could have been reasonably foreseen. Any Party affected by such event shall forthwith inform the other Party of the same and shall use all reasonable endeavors to comply with the terms and conditions of any Agreement contained herein.
Waiver
Failure of either Party to insist upon strict performance of any provision of this or any
Agreement or the failure of either Party to exercise any right or remedy to which it, he or they are entitled hereunder shall not constitute a waiver thereof and shall not cause a diminution of the obligations under this or any Agreement. No waiver of any of the provisions of this or any Agreement shall be effective unless it is expressly stated to be such and signed by both Parties.

General
The laws of the State of Florida govern these terms and conditions. By accessing this website you consent to these terms and conditions and to the exclusive jurisdiction of the English courts in all disputes arising out of such access. If any of these terms are deemed invalid or unenforceable for any reason (including, but not limited to the exclusions and limitations set out above), then the invalid or unenforceable provision will be severed from these terms and the remaining terms will continue to apply. Failure of the Company to enforce any of the provisions set out in these Terms and Conditions and any Agreement, or failure to exercise any option to terminate, shall not be construed as a waiver of such provisions and shall not affect the validity of these Terms and Conditions or of any Agreement or any part thereof, or the right thereafter to enforce each and every provision. These Terms and Conditions shall not be amended, modified, varied or supplemented except in writing and signed by duly authorized representatives of the Company.
Notification of Changes
The Company reserves the right to change these conditions from time to time as it sees fit and your continued use of the site will signify your acceptance of any adjustment to these terms. If there are any changes to our privacy policy, we will announce that these changes have been made on our home page and on other key pages on our site. If there are any changes in how we use our site customers’ Personally Identifiable Information, notification by e‐mail or postal mail will be made to those affected by this change. Any changes to our privacy policy will be posted on our web site 30 days prior to these changes taking place. You are therefore advised to re‐read this statement on a regular basis.
These terms and conditions form part of the Agreement between the Client and ourselves. Your accessing of this website and/or undertaking of a booking or
The agreement indicates your understanding, agreement to and acceptance, of the
Disclaimer Notice and the full Terms and Conditions contained herein. Your statutory Consumer Rights are unaffected.
© Novus MedPlan 2020 All Rights Reserved

Terms of Service: Network Provider Only

In using this website you are deemed to have read and agreed to the following terms and conditions:

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Terms of Services: ”Provider”, “You” and “Your” refers to you, the person accessing this website and accepting the Company’s terms and conditions. “The Company”, “Ourselves”, “We” and “Us”, refers to WCIG Insurance Service, Inc. d/b/a  Novus Medical Group, Inc. and all subsidiary entities. “Party”, “Parties”, or “Us”, refers to both the Client (Members/Patients) and ourselves, or either the Client or ourselves. All terms refer to the offer, acceptance, and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether by formal meetings of a fixed duration or any other means, for the express purpose of meeting the Client’s needs in respect of the provision of the Company’s stated services/products, in accordance with and subject to, prevailing Federal and/or State Law. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.

The Company is an organization offering insurance programs and insurance-related plans within the Wellness field of healthcare delivery, including Wellness treatments, therapies, and supplements; additionally, other alternative treatments such as the use of Cannabidiol and Medical Marijuana (“MMJ”) by patients throughout the United States where MMJ is legal. You attest by your agreement to participate as a Network Provider you are a duly licensed, certified, or otherwise authorized to operate in the state(s) that you provide Wellness treatments, therapies, and supplements, including alternative therapies such as MMJ, where MMJ is legal; and you wish to provide these to The Company’s members.

Therefore, in consideration of the mutual promises and covenants herein, the parties agree as follows:

1 General Terms
a) Upon request from a The Company’s member patient, Provider shall provide services/products to The Company’s members, in adherence to local State’s regulations.
b) Provider agrees to offer the best pricing discounts to The Company’s members, and ensure they receive the best possible pricing available from the Provider.
c) Each party shall indemnify and save the other party harmless from and against any claims, demands, actions, causes of action, damages, losses, costs, liabilities or expenses whatsoever incurred by the other party as a result of claims arising in relation to the performance of this Agreement or from any breach of this Agreement or from any negligent or willful act of that party, its officers, employees, agents or sub-contractors. This clause shall survive any expiration or termination of this Agreement.
d) The Agreement may be terminated, by either party, giving the other party 14 days’ notice in writing of the wish to terminate this Agreement.
e) Provider shall be responsible for ensuring, and represents and warrants at all times, that Provider shall have all necessary qualifications, licenses, permits, and authorizations required under the laws and regulations within the aforementioned state to operate as contemplated herein, and will maintain such licenses, permits, and authorizations during the term of the Agreement.
f) Provider shall not enter into any agreements or arrangements, whether written or oral, with any other health insurance and/or health insurance-related medical plans and/or other organization within the health care insurance field and/or any other company offering medical discounts in the aforementioned state.

2 Term and Termination
The term of this Agreement shall be one (1) year from the Effective Date and thereafter shall automatically renew for successive periods of one (1) year each unless either party provides written notice of nonrenewal to the other at least fourteen days (14) before the end of the then-current (initial or renewal) term or this Agreement is otherwise terminated pursuant to Paragraph 9 of this Agreement.

3 No Steering
For the term of this Agreement and for two (2) years thereafter, Provider and its agents, employees, affiliates, and subcontractors shall not engage in steering or otherwise directly or indirectly solicit any The Company member to join a competing health plan or discount plan or induce any The Company member to cease doing business with The Company.

4 Governing Law
With the exception of the principles applying to the conflict of laws, this Agreement shall be governed by and shall be construed in accordance with, the laws of the aforementioned state, United States of America.

5 Entire Agreement
This Agreement represents the entire understanding and agreement between the parties and supersedes all previous negotiations and understandings between them with respect to its subject matter. Further, this Agreement supersedes all previous agreements between the parties with regard to its subject matter and those agreements are now terminated and of no further effect.

6 Privacy Statement
We are committed to protecting your privacy, which Authorized employees within the company on a need to know basis only use any information collected from individual customers. We constantly review our systems and data to ensure the best possible service to our customers. Certain Regulatory Authorities have created specific offenses for unauthorized actions against computer systems and data. We will investigate any such actions with a view to prosecuting and/or taking civil proceedings to recover damages against those responsible.

7 Confidentiality
We are registered under the Data Protection Act 1998 and as such, any information concerning the Client and their respective Client Records may be passed to third parties. However, Client records are regarded as confidential and therefore will not be divulged to any third party, other than if legally required to do so to the appropriate authorities. Clients have the right to request sight of, and copies of any and all Client Records we keep, on the provision that we are given reasonable notice of such a request. Clients are requested to retain copies of any literature issued in relation to the provision of our services. Where appropriate, we shall issue Clients with appropriate written information, handouts or copies of records as part of an agreed contract, for the benefit of both parties.

Provider shall keep strictly confidential and shall not disclose any information it obtains pursuant to this Terms of Service, including, but not limited to, all patient information contained in The Company’s database, unless disclosure of such information is in the proper course of discharging the Network Provider’s obligations under the Terms of Service or is required by law. The parties further agree as follows:

All information, development processes, market research, systems development, market techniques, product improvement, processes, programs and methods used or employed in connection with the Terms of Service shall be considered trade secrets and/or confidential and proprietary information belonging to The Company (“Company’s Confidential Information”).

b Provider agrees to keep Confidential Information confidential and under no circumstances may Provider divulge such information to any person absent a valid court order. Any confidential information required to be disclosed by Provider pursuant to a valid order by a court or other governmental body having proper jurisdiction over Provider will not be disclosed by Provider until and unless Provider provides written notice to The Company of such order sufficiently in advance of the disclosure to allow The Company reasonable opportunity to defend against or condition such disclosure. This Article will survive the termination of this Terms of Service.

c Provider shall hold such trade secrets and/or confidential and proprietary information in confidence and shall not disclose, furnish or use them, in any way whatsoever, and shall take all lawful measures available to prevent any other person employed by it or within its control from so disclosing, furnishing or using any trade secrets and/or confidential and proprietary information of The Company to which it becomes privy. Provider shall use its best endeavors to ensure that its employees, agents, and subcontractors fully comply with the terms of this clause. Upon termination of the Terms of Service, Provider shall return or, at the direction of The Company, destroy all proprietary materials of The Company in Provider’s care, custody or control. This clause shall not encompass information that is or becomes publicly available, is already lawfully in the possession of a party, is independently developed by such party, or is lawfully obtained from third parties without restrictions.

8 Disclaimer: Exclusions and Limitations
The information on The Company’s web site(s) is provided on an “as is” basis. To the fullest extent permitted by law, this Company:
a excludes all representations and warranties relating to this website and its contents or which is or may be provided by any affiliates or any other third party, including in relation to any inaccuracies or omissions in this website and/or the Company’s literature; and b excludes all liability for damages arising out of or in connection with your use of this website. This includes, without limitation, direct loss, loss of business or profits (whether or not the loss of such profits was foreseeable, arose in the normal course of things or you have advised this Company of the possibility of such potential loss), damage caused to your computer, computer software, systems, and programs and the data thereon or any other direct or indirect, consequential and incidental damages.

9 Availability 
Unless otherwise stated, the services featured on this website are only available within the United States, or in relation to postings from the United States. All advertising is intended solely for the United States market. You are solely responsible for evaluating the fitness for a particular purpose of any downloads, programs, and text available through this site. Redistribution or republication of any part of this site or its content is prohibited, including such by framing or other similar or any other means, without the express written consent of the Company. The Company does not warrant that the service from this site will be uninterrupted, timely or error-free, although it is provided to the best ability. By using this service you thereby indemnify this Company, its employees, agents and affiliates against any loss or damage, in whatever manner, howsoever caused.

10 Log Files 
We use IP addresses to analyze trends, administer the site, track user’s movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information. Additionally, for systems administration, detecting usage patterns and troubleshooting purposes, our web servers automatically log standard access information including browser type, access times/open mail, URL requested, and referral URL. This information is not shared with third parties and is used only within this Company on a need-to-know basis. Any individually identifiable information related to this data will never be used in any way different to that stated above without your explicit permission.

11 Cookies 
Like most interactive web sites this Company’s website [or ISP] uses cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate partners may also use cookies.

12 Links to this website 
You may not create a link to any page of this website without our prior written consent. If you do create a link to a page of this website you do so at your own risk and the exclusions and limitations set out above will apply to your use of this website by linking to it.

13 Links from this website 
The Company does not monitor or review the content of other party’s websites which are linked to from this website. Opinions expressed or material appearing on such websites are not necessarily shared or endorsed by us and should not be regarded as the publisher of such opinions or material. Please be aware that we are not responsible for the privacy practices, or content, of these sites. We encourage our users to be aware when they leave our site and to read the privacy statements of these sites. You should evaluate the security and trustworthiness of any other site connected to this site or accessed through this site yourself, before disclosing any personal information to them. The Company will not accept any responsibility for any loss or damage in whatever manner, howsoever caused, resulting from your disclosure to third parties of personal information.

14 Copyright Notice 
Copyright and other relevant intellectual property rights exist on all text relating to the Company’s services and the full content of this website.

15 Communication 
The Company has several different e-mail addresses for different queries. These and other contact information can be found on our Contact Us link on our website or via Company literature or via the Company’s stated telephone, facsimile or mobile telephone numbers. The company is registered in the state of Florida and is filed as a foreign corporation in your state, phone number 855-228-7355, registered office 12805 SW 84 Ave Road, 2nd Floor, Miami FL 33156.

16 Force Majeure
Neither party shall be liable to the other for any failure to perform any obligation under any Terms of Service which is due to an event beyond the control of such party including but not limited to any Act of God, terrorism, war, political insurgence, insurrection, riot, civil unrest, an act of civil or military authority, uprising, earthquake, flood or any other natural or man-made eventuality outside of our control, which causes the termination of a Terms of Service or contract entered into, nor which could have been reasonably foreseen. Any Party affected by such event shall forthwith inform the other Party of the same and shall use all reasonable endeavors to comply with the terms and conditions of any Terms of Service contained herein.

17 Waiver
Failure of either Party to insist upon strict performance of any provision of this or any Terms of Service or the failure of either Party to exercise any right or remedy to which it, he or they are entitled hereunder shall not constitute a waiver thereof and shall not cause a diminution of the obligations under this or any Terms of Service. No waiver of any of the provisions of this or any Terms of Service shall be effective unless it is expressly stated to be such and signed by both Parties.

18 General
The laws of the State of Florida govern these terms and conditions. By accessing this website you consent to these terms and conditions and to the exclusive jurisdiction of the English courts in all disputes arising out of such access. If any of these terms are deemed invalid or unenforceable for any reason (including, but not limited to the exclusions and limitations set out above), then the invalid or unenforceable provision will be severed from these terms and the remaining terms will continue to apply. Failure of the Company to enforce any of the provisions set out in these Terms and Conditions and any Terms of Service, or failure to exercise any option to terminate, shall not be construed as a waiver of such provisions and shall not affect the validity of these Terms and Conditions or of any Terms of Service or any part thereof, or the right thereafter to enforce each and every provision. These Terms and Conditions shall not be amended, modified, varied or supplemented except in writing and signed by duly authorized representatives of the Company.

19 Notifi






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