American Cannabis Patients Can Still Lose Their Insurance, Their Job, And Their Gun - RxLeaf
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American Cannabis Patients Can Still Lose Their Insurance, Their Job, And Their Gun

Emily Robertson
cannabis, USA, legalization, recreational cannabis, medical cannabis, federal law, second amendment, gun ownership, gun license, insurance, employment

A doctor is in the news for challenging the federal ban on gun ownership for medical cannabis patients, but this is just one third of the injustice people face for their choice in medicine.

State medical cannabis access is making headway in the U.S., but it has created problems elsewhere. State laws don’t always line up with federal prohibition, and that’s where things get sticky, and not in a good way. One of the most recent ‘violations of personal rights and freedoms’  focuses on the second amendment: the right to bear arms. Did you know that medical cannabis patients are excluded from buying or owning a gun in America?

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Under federal law, cannabis is still classified as a schedule 1 drug, alongside narcotics like LSD and heroin. And these are strict no-nos in every state in terms of the right to bear arms.

Unsurprisingly this has caused a bit of an uproar among Americans.  Dr Matthew Roman, a medical cannabis patient in Philadelphia, took his complaint to court after being denied the purchase of  a Smith &Wesson 638 snub-nosed 5-round revolver due to his choice of medicine.

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Dr. Roman Denied a Gun

Dr Roman has post-traumatic stress disorder (PTSD), which is one of the qualifying conditions for access to medical cannabis in his state.

Unfortunately, the use of medical cannabis also stops the sale of a gun to Dr. Rowan. Despite the fact that Dr Roman is an upstanding doctor who runs his own medical practice, the Firing Line in South Philadelphia must adhere to federal law. By this law, the shop is required to ask if Dr Roman has consumed cannabis for any reason. An affirmative response means automatic disqualification from purchase. Strangely, no questions are asked about alcohol use.

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These are the People Who Can’t Own a Gun in America

The other people that can’t buy a gun, aside from medical cannabis patients, include: convicted felons, domestic abusers, those with a history of severe mental illness, and fugitives. But don’t worry – alcoholics can still carry, no problem!

It makes sense that gun sales should have restrictions, but should cannabis be one of these?  Three countries (two of which are the other major North American trade partners) have recognized cannabis as a plant with medicinal and recreational value with no low risk for  addiction. Not a narcotic.

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Why Are There Legal Restrictions for Cannabis Patients?

Due to a law in 1968 that prevents cannabis consumers from using or purchasing arms, Dr Roman cannot buy himself a gun. This is a law that is fifty years old, based off racist, classist, outdated cannabis prohibition now used to define what Americans may use to medicate. And the U.S. Court of Appeals agrees that this should continue, as recently as 2016!

Roman’s case is simple: medical cannabis patients are restricted from having the same rights and freedoms of other Americans. Despite the ruling in 2016 that claimed the law doesn’t violent the Second Amendment, Dr Roman is taking the case back up and arguing it violates both the Second and the Fifth Amendments.

Regardless of what you think of firearms, it’s tough to argue with the fact that cannabis has a more peaceful effect on patients than alcohol. These are flaws within the legal system that cannabis advocates are starting to question.

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What Does The NRA Say About This?

You may think that the National Rifle Association, an advocacy group for gun rights, would be outspoken on this issue. But, they’ve remained surprisingly silent. Based on the fact that the Bureau of Alcohol, Tobacco, Firearms, and Explosives has maintained that under no circumstances should firearm shops sell to cannabis users, it’s possible that the NRA’s silence is because it is anti-cannabis.

A recent NRA PSA would verify that assumption for you. Last Week Tonight with John Oliver did a bit on this in spring 2018. The PSA went something like this:

“Hidden beneath a dense canopy of deciduous trees is a prostitute of sorts,” the NRA PSA says. “And those who profit by selling her will stop at nothing to exploit her. Sold and promoted for her non-addictive, even medicinal advantages, what lies behind the veil of this seductress is far different than what she first appears to be. She is a harlot and her name is Mary Jane.”

To this, Oliver responded,  “I didn’t think this was possible, but I think that guy just slut-shamed marijuana.”

So, I’m guessing the NRA is not stepping up to advocate for the second amendment rights for Americans that are prescribed medical cannabis.

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Other Consequences of Using Cannabis Medicine

Life Insurance Premiums Will Go Up

The news just gets more bizarre for American medical cannabis patients: your insurance costs could go up or be canceled. If you don’t consume very often then you may be OK, but for people who use daily (read: PATIENTS!!), see their rates  affected.

Despite the fact that cannabis will cost Medicaid and Medicare considerably less than conventional opioid medications, your health and life insurance will probably go up when you get your ‘green card’.  This is because daily use puts you in the ‘higher risk’ category.

Life insurers are required to ask if you take cannabis – it’s just part of the job. On the other side of premium increase, if you have a more progressive insurer that pays for medical cannabis, you also want them to know; it could save you a fortune.

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Lying about it isn’t your best option either. Life insurance companies can demand drug tests on new policy owners, which will catch you anyway. Even if you’ve not taken cannabis for two weeks, THC continues to show up in your blood stream for roughly 28 days.

If you’re found out to be lying, it can result in loss of insurance.

Medical Cannabis Can Affect Your Short Term ACA Health Insurance

It depends on your long-term care plan under the Affordable Care Act (Obamacare). If you do have a private plan under the ACA, then your consumption shouldn’t come up. Insurers aren’t required to ask about cannabis. In fact, insurance companies aren’t even permitted to ask about your medical cannabis consumption, nor are they allowed to use your this as a reason to raise your premium.

If you don’t know, there are only five traits that can change your policy price, and these are location, tobacco use, age, the number of policy holders on your plan, and the design of your policy.

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However, before you let out that breath of relief, short-term plans that don’t fall under the ACA’s guidelines may not offer as much protection. Companies with these plans can ask about medical cannabis consumption and can use this information to raise premiums.

Unfortunately, Donald Trump’s shifting regulations around healthcare are opening the door for more private short-term non-ACA insurers. He’s opening up the gates for cheaper plans that are not required to cover as many conditions or prescriptions as what Obamacare’s comprehensive plans did.

Now, this is important: the lower dollar sign may be appealing at first, but if you’re a medical cannabis user, have a pre-existing condition, or care for dependents, that lower cost may end in big costs in the future.

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You Can Still Lose Your Job For Testing Positive for THC

Any resident employed in a job with safety regulations, like those in transportation and construction, will be faced with drug tests and could have to choose between their medical cannabis and their jobs. This is particularly true of any employee who works for the Department of Transportation, which, back in October 2009, made it abundantly clear that they would not hesitate to drug screen all their employees in the air, on the ground, and on the sea.

Federal regulation prohibits all use of cannabis, which means that people facing insurance issues or employment policies aren’t protected by law. Any employer could easily use this federal ban to support their decision to fire an employee.

This all goes back to insurance. If an employer allows employees, in potentially dangerous or risky situations, to take cannabis, their insurance may not cover claims following an accident.

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Federal prohibition is in serious need of updating, especially reconsidering the impact this century-old stance on cannabis has on the individual rights of Americans. If medical cannabis can restrict your right to employment, the second amendment, and insurance, is America really the land of the free?

Emily Robertson

Emily Robertson has been writing freelance and contract work since 2011. She has written on a variety of topics, including travel writing of North America and the growing legalized cannabis industry across the globe. Robertson has a master’s degree in literature and gender studies, and brings this through in her writing by always trying to explore different perspectives. Born and raised in southwestern Ontario, Robertson moved to Glasgow, Scotland in 2016 to undergo her doctorate in Scottish Literature. She lives in the West End with her dog, Henley.

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