Get Paid by Insurance:

Generate Reimbursable Revenue from Cannabis Transactions

You Can Unlock Institutional Revenue For Your Dispensary

Novus is a health insurance carrier at the forefront of healthcare innovation, having identified a unique regulatory loophole that allows us to fully incorporate cannabis into our prescription drug platform. We are revolutionizing the industry by leveraging this discovery to serve both medical and recreational users with comprehensive, compliant coverage.

We are seeking high-quality cannabis retailers to serve as retail fulfillment partners in our network.

Get Reimbursement

Exclusive territories. Guaranteed income. Zero acquisition costs. Get paid whether policyholders visit or not.

your Market Share

Exclusive geographic lock. Members are directed solely to your retail locations within your territory.

Retailer Discount

Territory-based revenue paid as compliant provider fees per policyholder.

Novus Provider Proforma Calculator

PROJECT YOUR VALUATION MULTIPLES WITH THE NOVUS NETWORK.

Retail Dispensary Revenue Projection Model (Phased Implementation)

Expand to Full Vertical MSO Model (Cultivation + Retail)

Retail Operations & Baseline Variables

(Note: Standard retail model assumes 100% third-party wholesale acquisition. Activate toggle above for vertical margins).

Fields highlighted in light blue are primary user-editable variables

Estimated Population of Your Proposed Territory

Active Consumers

Novus Standard Market Capture Baseline policyholder scale-up projections

Ph 1 (Mo 1-6)

Ph 2 (Mo 7-12)

Ph 3 (Mature)

Monthly Active Base Retention & utilization benchmark

Visits Per Month Average dispensary visits

Min Basket Size

Standard COGS

MedPlan Discount

Monthly Fee Paid To Provider

Annual Fee Paid To Provider Auto-calculated derived metric

Mature Savings From Customer Acquisition (Phase 3) Calculated via baseline industry benchmark ($40 standard CAC)

Cannabis Consumers

Mature Policyholders (Ph 3)

Mature Active Base (Ph 3)

Financial Metric	Phase 1 (Mo 1-6) 3% Monthly Avg	Phase 2 (Mo 7-12) 6% Monthly Avg	Phase 3 (Mature 12%) Monthly Target	Annualized Phase 3 Run-Rate
Gross Retail Value Total projected top-line revenue generated by policyholders prior to deductions.
Standard COGS (Blended MSO Margin) The direct costs attributable to the production or acquisition of goods sold.
MedPlan Discount Applied The aggregate retail value of the point-of-sale discounts provided to policyholders.
Post-Discount POS Gross Profit Net revenue retained at the register after subtracting cost of goods and applied discounts.
Novus Reimbursement Distribution Fee The recurring fee paid directly to the provider by the policyholder for network access.
Adjusted Gross Profit The finalized profit combining post-discount retail margin with provider reimbursement fees.
Savings From Customer Acquisition Capital saved by acquiring recurring patients through the network instead of traditional marketing.
Total Provider Economic Benefit The comprehensive net financial value delivered, combining operational cash flow and marketing savings.

POS calculations, recurring fee allocations, and total economic benefit Gross Sales are calculated by each policyholder visiting retail facility 2 per month with a minimum basket size of $70 per visit.

* Assesses the return on investment of the applied POS discount. A ratio > 1.0x indicates economic value captured exceeds margin sacrificed.

** Total net-new operational cash flow generated, consolidating Provider Economic Benefit with Manufacturer Subvention Capture.

*** Maps long-term capitalization effect applying a 4x EBITDA multiple to the Consolidated EBITDA Growth.

Enterprise Corporate Finance Impact (Annualized Projections)

Phase 1 (Mo 1-6)

Benefit Monetization Ratio

0.0x

Consolidated EBITDA Growth

Non-Dilutive Cap Projection

Phase 2 (Mo 7-12)

Benefit Monetization Ratio

0.0x

Consolidated EBITDA Growth

Non-Dilutive Cap Projection

Target

Phase 3 (Mature Run-Rate)

Benefit Monetization Ratio

0.0x

Consolidated EBITDA Growth

Non-Dilutive Cap Projection

your revenue Stream From Novus

The Regulatory Firewall

Rx Validated

HIPAA Protected

NCAB Compliant

ERISA Compliant

Key Compliance factors

The Regulatory Firewall ensures complete compliance by strictly separating the Cannabis and Prescription platforms.

Cannabis Order Platform

Funded exclusively by our premiums, our operations maintain a strict non-plant-touching status, with our cannabis platform rigorously segregated from our pharmacy services. In exchange for a modest discount that you provide, orders are directed to your (POS) system, ensuring you retain 100% of the revenue.

THC Coverage Status 47%

Prescription Drug Platform

Institutional-Grade Pharmacy Infrastructure. Leverage our dedicated Rx Engine to manage validation at the source. By processing data through our HIPAA-compliant pharmacy layer upstream, we ensure your cannabis retail platform remains completely decoupled and fully compliant.

U.S. Coverage Status 98%

Why Cannabis Providers Choose Novus

15,000+ Sales Force

Our national agent network actively enrolls policyholders within your exclusive region.

Marketing Suite

Targeted regional campaigns drive high-intent clinical referrals directly to you.

Retailer Discount

Recover the discount through reduced acquisition costs, guaranteed exclusivity, and continual reimbursement.

FAQ

Is My "Territory" Truly Exclusive?

Yes. Your territory is a protected geographic zone—defined by Zip Codes—where you are the sole cannabis retailer.

How is the Size of my Territory Determined?

We define your territoriies using data-verified foot traffic models. A representative will personally guide you through your specific regional metrics. Additionally, you can use the form on this page to calculate your potential revenue as a Novus provider.

How Much of a Discount Do I Offer?

While we require a modest 25% discount to our policyholders, this deduction aligns with standard promotional strategies already prevalent in most retail operations. As a Provider you will effectively recover and exceed this margin through significantly reduced customer acquisition costs, guaranteed territory exclusivity, and consistent foot traffic—all backed by continual reimbursement from the Novus platform. This discount is subsidized by Novus Premium Share payouts, ensuring zero margin loss.

Is this HIPAA-Compliant?

Absolutely. We utilize a dual-platform architecture that maintains strict isolation between clinical medications and cannabis retail purchases. Consequently, all cannabis transactions are executed directly between you and the policyholder; Novus never touches the plant nor extracts revenue from the retail sale itself.

Is this Federal or State Level Compliant?

Yes! Turn compliance into a competitive advantage. Partnering with Novus allows you to offer a fully compliant as a ‘non-insurance’ benefit rider that acts as a prescription program for your patients. Because your revenue is structured as a marketing fee for your territory—not direct reimbursement—you stay compliant at the state level while bypassing federal banking hurdles

Unlock Insured Revenue with Zero Risk and Zero Acquisition Cost, Check Territory Availability Now!

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Territory Availability

Lock Your Exclusive Territory!
Start your enrollment to block competitors

Get Paid by Insurance:

Generate Reimbursable Revenue from Cannabis Transactions

You Can Unlock Institutional Revenue For Your Dispensary

We are seeking high-quality cannabis retailers to serve as retail fulfillment partners in our network.

Get Reimbursement

your Market Share

Retailer Discount

PROJECT YOUR VALUATION MULTIPLES WITH THE NOVUS NETWORK.

Retail Dispensary Revenue Projection Model (Phased Implementation)

Retail Operations & Baseline Variables

Enterprise Corporate Finance Impact (Annualized Projections)

your revenue Stream From Novus

The Regulatory Firewall

Rx Validated

HIPAA Protected

NCAB Compliant

ERISA Compliant

Key Compliance factors

The Regulatory Firewall ensures complete compliance by strictly separating the Cannabis and Prescription platforms.

Cannabis Order Platform

Prescription Drug Platform

Why Cannabis Providers Choose Novus

15,000+ Sales Force

Marketing Suite

Retailer Discount

FAQ

Contact Us

Territory Availability

Table of Contents

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Get Paid by Insurance:

Generate Reimbursable Revenue from Cannabis Transactions

You Can Unlock Institutional Revenue For Your Dispensary

We are seeking high-quality cannabis retailers to serve as retail fulfillment partners in our network.

Get Reimbursement

your Market Share

Retailer Discount

PROJECT YOUR VALUATION MULTIPLES WITH THE NOVUS NETWORK.

Retail Dispensary Revenue Projection Model (Phased Implementation)

Retail Operations & Baseline Variables

Enterprise Corporate Finance Impact (Annualized Projections)

your revenue Stream From Novus

The Regulatory Firewall

Rx Validated

HIPAA Protected

NCAB Compliant

ERISA Compliant

Key Compliance factors

The Regulatory Firewall ensures complete compliance by strictly separating the Cannabis and Prescription platforms.

Cannabis Order Platform

Prescription Drug Platform

Why Cannabis Providers Choose Novus

15,000+ Sales Force

Marketing Suite

Retailer Discount

FAQ

Contact Us

Territory Availability

Table of Contents

Check Zip Code Availability

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