A Cleveland-based health-tech company, EM2P2, has launched a platform that could change how Americans pay for medical cannabis. Its new product, CannaLnx, claims to make cannabis care reimbursable, compliant, and accessible by finally allowing patients to apply health-benefit dollars toward cannabis purchases in legal states.
Developed as the exclusive tech partner of the American Council of Cannabis Medicine (ACCM), a “member-first health network,” CannaLnx serves as the technology backbone of ACCM’s Elevated States initiative, which is rolling out this month through licensed insurance brokers ahead of open enrollment. The program enables patients to receive monthly reimbursements, typically $100 to $175, for medical cannabis and related doctor visits.
How It Works
Unlike previous attempts to blend cannabis and healthcare, CannaLnx doesn’t sell insurance or create new plans. It’s a technology layer that connects existing health insurance plans and wellness benefits programs via a secure, HIPAA-compliant platform.
The legal and operational foundation runs through third-party administrators (TPAs)—companies already licensed to manage wellness benefits under traditional insurance. These TPAs bundle standard health insurance from major carriers with supplemental wellness benefits. Inside that package sits a monthly stipend, which can be applied to qualified therapeutic expenses, including medical cannabis, in states where such purchases are legal.
When a patient submits a reimbursement claim through CannaLnx, the platform validates the patient’s eligibility, purchase, and physician authorization under state law, then securely routes the claim to the TPA for reimbursement. The TPA—not the insurance carrier—funds and administers the stipend, keeping the process compliant and shielded from federal exposure.
“It’s private, state-compliant, and auditable,” says EM2P2 CEO Gennaro Luce. “No taxpayer money. No federal entanglements. No creative accounting.”
Bridging Cannabis and Healthcare
This model allows individuals, families, gig workers, and even Fortune 500 companies to offer medical-cannabis benefits as part of broader wellness packages. It’s available across all 39 states where legal medical cannabis programs can integrate into ERISA and health-sharing plans.
In other words, CannaLnx isn’t a workaround—it’s a structurally legal bridge. “We don’t bend or avoid rules; we work within the rules that exist,” says Luce. “CannaLnx’s role is to ensure those rules are followed.”
By integrating with electronic medical records and dispensary point-of-sale systems, the platform makes reimbursement traceable and compliant, giving dispensaries verified patient transactions and offering employers and brokers a way to meet growing demand without taking on federal risk.
Early Adoption and Industry Impact
Early partners include TPAs such as Detego Health, 90 Degrees, and Iron Health, as well as broker groups like United Agencies, which are already onboarding employers for the program.
“This is the first time brokers can offer transparent, compliant health-benefit programs that include medical cannabis,” says John Miller, program director at United Agencies. “It brings structure and accountability to an industry that has long needed it.”
The ACCM, which has long advocated for national medical-cannabis integration, says the collaboration represents a turning point. “This is the digital backbone behind a new chapter in medical cannabis,” says Scott Rancie, ACCM spokesperson. “It’s how we finally connect patients, providers, and dispensaries to legitimate, regulated health-benefit programs.”
A Step Toward Normalization
The CannaLnx platform may not represent the final form of cannabis coverage, but it could mark the beginning of mainstream adoption. By fitting cannabis into the same benefit frameworks that already cover acupuncture, fitness stipends, or smoking-cessation programs, CannaLnx positions itself as the first fully compliant bridge between healthcare and cannabis.
“We’re proving reimbursement can be done transparently, lawfully, and at scale,” says Luce.
Elevated States Programs can be explored here.
Read the press release.
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