BUD-E-BENEFITS
Your Best Bud in Employee Benefits
About WORTH BENEFITS
Building a successful cannabis business takes passion, resilience, and a strong team behind you. In a fast-growing and competitive marketplace, offering reliable health and virtual benefits can set your company apart.
WORTH BENEFITS brings more than 40 years of experience in employee benefits to the cannabis industry. While our work in this sector is recent, our deep expertise in benefits strategy helps cannabis business owners and their teams navigate complex regulations and find affordable, effective coverage options.
As the industry continues to grow, benefits remain key to attracting and keeping top talent. Many traditional insurance providers still hesitate to work with cannabis businesses, making affordable coverage hard to find. Offering real healthcare benefits, growth opportunities, and a safe, compliant workplace helps cannabis companies stand out and build loyal, long-term teams.
That’s why we built a smarter benefits solution designed to help cannabis businesses:
BUD-E-BENEFITS
About BUD-E-BENEFITS
Employee benefits are crucial for the cannabis industry. However, due to the complexities of federal and state regulations, many insurance providers are hesitant to offer cannabis business owners affordable health and medical benefits options for their employees. To fill that gap, WORTH BENEFITS created BUD-E-BENEFITS, a complete employee benefit solution designed for dispensaries, cultivators, and ancillary companies. Through partnerships with leading underwriters and insurtech firms, BUD-E-BENEFITS delivers affordable, everyday healthcare that keeps employees healthy, supported, and connected to care they can actually use.
BUD-E-BENEFITS Powered by 
BUD-E-BENEFITS Powered by ON Health is founded upon a sophisticated Telehealth AI platform. The plan features $0 deductibles, no copays, and 24/7 access to primary care, urgent care, mental health support, and prescription savings. Employees also save on physician and hospital services through the First Health Network, which includes more than 490,000 providers nationwide. To support compliance, BUD-E-BENEFITS offers ACA-compliant options such as Minimum Essential Coverage (MEC) and a Minimum Value Plan (MVP) to help employers stay compliant while offering meaningful, affordable coverage.
BUD-E-BENEFITS Can Help You:
- Attract Top Talent
- Boost Employee Retention
- Strengthen Workplace Culture
- Increase Your ROI
Markets We Serve
We partner with cannabis businesses across the supply chain, including dispensaries, cultivators, processors, seed-to-sale operators, staffing agencies, PEOs, and payroll providers. Our goal is to make employee benefits simple, affordable, and compliant so you can focus on growth while taking care of your people.
Smart, Affordable Health Coverage That Works
BUD-E-BENEFITS Powered by ON Health delivers a comprehensive healthcare solution that includes virtual and in-person primary care, medical benefits, and specialized behavioral health support. Employees get 24/7 access to an interactive chat feature for real time guidance. Through ON Health’s easy-to-use mobile app, employees can view medical information, schedule appointments, find prescription discounts, and access their digital ID card, giving them simple, on the go access to care whenever they need it. ACA options are also available to help employers remain compliant while offering flexible and affordable coverage.
Board-Certified Doctors
Licensed Mental Health Professionals
Licensed Veterinarians
First Health Network
BUD-E-BENEFITS Powered by
Plan Benefits:
- Virtual primary and urgent care
- Virtual mental health
- Virtual veterinarian
- Discounted prescriptions
- In-Person primary and urgent care
- Add-ons: Dental and Vision
Plan Features:
- Affordable price
- No copays
- $0 deductibles
- $0 per mental health visit
- $0 per vet visit
BUD-E-BENEFITS
Powered by
Affordable, high-quality care made simple with $0 deductibles, no copays, and 24/7 access anytime, anywhere.
BUD-E-BENEFITS delivers real, everyday healthcare employees can rely on through an easy-to-use mobile app and the First Health network, which includes nearly one million providers nationwide. It’s a simple, affordable way to keep employees healthy, supported, and connected to care whenever they need it.
In-Person Primary & Urgent Care
Digital ID Cards + ACA Preventive Services
Virtual Primary & Urgent Care
Comprehensive Care + Easy Scheduling
Virtual Mental Health
Anxiety, Depression, Stress + And More
Prescription Savings
Discounted Rx + 55,000 Medications
Virtual Veterinarian
Preventative Guidance + Unlimited Chats
An Easy-to-Use App
Powered by AI & Generations of Expertise
WORTH BENEFITS has rooted itself as a leading insurtech firm, by taking traditional employee benefits and elevating them with the same innovations that’s driving today’s cannabis industry. Leveraging advanced technologies - including AI, mobile driven platforms and integrated digital tools, with BUD-E-BENEFITS we make it easy to access affordable employee benefits.
App Features:
AI assistant with push-to-talk for quick answers and plan support
24/7 virtual urgent care with board-certified physicians
Real-time geolocation to find nearby pharmacies and providers
Virtual mental health care, from AI chat to licensed therapists
Digital insurance cards for easy access
Instant prescription price search with $0 copay and discount options
Virtual vet visits for pets and livestock, saving time, stress, and costly urgent care trips
ACA Options
Provided by Several Vetted Underwriters with Years of Experience
Minimum Essential Coverage (MEC)
Minimum Essential Coverage (MEC) satisfies the basic requirements of the Affordable Care Act (ACA) by providing preventive and wellness services. It’s an affordable option that helps employers stay compliant while giving employees access to essential healthcare, such as annual checkups, screenings, and vaccinations.
Sample of Services:
- Annual wellness exams
- Preventive screenings (blood pressure, cholesterol, diabetes)
- Immunizations and vaccines
- Women’s health services (pap smears, mammograms)
- Tobacco cessation programs
- Routine lab work
- Behavioral health assessments
- Preventive pediatric care
| Benefits | In-Network | Out-of-Network |
|---|---|---|
| Preventive Services for Adults | 100% | 40% |
| Preventive Services for Pregnant Women or Women Who May Become Pregnant | 100% | 40% |
| Other Preventive Services for Women | 100% | 40% |
| Preventive Services for Children | 100% | 40% |
Minimum Value Plan (MVP)
A Minimum Value Plan (MVP) goes beyond basic preventive care to include comprehensive medical coverage, such as doctor visits, hospitalization, and prescription benefits. It meets ACA standards for minimum value, offering employees more robust protection and helping employers remain fully compliant with federal requirements.
Sample of Services:
- Primary care and specialist visits
- Urgent care and emergency services
- Hospitalization and surgery
- Diagnostic testing and imaging (x-ray, MRI, CT scan)
- Prescription drug coverage
- Preventive and wellness services
- Mental health and substance abuse treatment
- Maternity and newborn care
ACA options are not provided by ON Health.
Planning for the Future
Evaluating and adjusting your benefits strategy each year can have a significant impact on your company’s bottom line while improving employee morale and retention. Use these best practices to refine your approach and set your team up for success in the upcoming benefits term.
Best Practices for Smarter Benefits Planning
Understand Benefit Implementation Strategies
Reduce or eliminate tax liability through a detailed evaluation of your current benefit options and contribution structures.
Maximize Employee Participation
Encouraging higher participation in your benefits program not only boosts employee satisfaction but also helps extend tenure and improve overall efficiency.
Calculate the Cost of Turnover
High turnover can be expensive. Companies offering comprehensive benefits see employees stay longer. Workers enrolled in benefits remain up to 47% longer, translating into measurable revenue gains.
Adopt Industry-Specific Technology
Use advanced tools and data-driven systems to streamline administration, improve efficiency, and enhance retention rates across your workforce.
Cybersecurity
Our mobile app was built using React Native and is hosted on Amazon web server. We use end-to-end encryption and our system is continuously being monitored to ensure your personal data is safe and private.
HR
Employees can view medical information in real time, schedule appointments, find prescription discounts, and access their digital ID card through the mobile app. It gives employees convenient, on the go access to what they need, which is ideal for the fast moving cannabis industry.
Ready to Get Started?
Let's build a smarter benefits strategy for your cannabis business.
Contact Us Today