I’ll be fr and say that since I’m not from NY I don’t know a lot about your specifics but whatever medical provider refers you for a medical card can get their licenses revoked and lose their profession pay fines and possibly go to prison (which seems dramatic but they really do take medical billing and documentation seriously if somebody were to get caught), you can pay some very hefty fines, jail time (even prison if the court gets you on some crazy fraud technicalities) I.e. inconvenient shit
And while the med card itself isn’t always expensive having to pay out of pocket (and occasionally if your insurance covers it a copay instead) can really add up especially if people here don’t qualify for Medicaid and with federal funding freezes and cuts on health care and public aid programs acting like people have the ability to easily get all of this done (and have it done quickly at that because you still gotta wait for approvals)
The sites you’re using are probably area specific so I wouldn’t know specifically about them but no they would most likely not bill your insurance as they are set up for the specific purpose of medical cards but yes you can use insurance with your medical care team at appointments regarding medical marijuana and it’s often a cheaper alternative to these websites but with assistance based services having their funding messed with it’s limits the amount of patients that can afford to apply
Idk if it’s different for you but in my state NY your only expense is the med card appointment and the weed - for me (and all of nys can go through this) it was 45 dollars a 2 minute phone call and then they emailed me the card a minute later, ready for use. It basically pays itself off after just 350 dollars of product (or like a month) bc the no bullshit 13% tax
In mine ( i got a three year for $125) you go see a medical provider (either your actual doctor or one of those websites similar to what you’ve mentioned Nuggmd is very popular) who then if you’re doing a med appointment about other concerns and bring up the medical card they can certainly bill your insurance or if you make an appointment specifically for a medical card then you have to pay out of pocket whatever that companies fee is mine was $150
So combined it was $275 for me for three years and I can afford that so I’m not complaining but for people who are financially struggling that’s a lot of money, you also legally aren’t supposed to have a med card and own a gun, many aren’t allowed to foster children (I work at a foster care agency I see it a lot) it can affect who hires them and it can take forever to get so while it may have been affordable for you and maybe others in NYC can pay similar rates but not everyone can