Medical Marijuana. Gina C. Guzman, MD, DBIM, FALU, FLMI. Munich Re US (Life) 17 Nov 2016

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Medical Marijuana Gina C. Guzman, MD, DBIM, FALU, FLMI Vice President & Chief Medical Director ACSW/SEAC Annual Meeting Munich Re US (Life) 17 Nov 2016

Learning Objectives 1. Provide an introduction to marijuana and its effects on the human body 2. Discuss the history of medical marijuana 3. Discuss the marijuana revolution currently occurring in the USA 4. Share current clinical evidence for use of medical marijuana 5. Discuss implications for the physician and the insurance industry 17 Nov 2016 2

1 Marijuana and its effects on the human body Getty Images

Marijuana = Cannabis Generic term for drugs/chemicals from plants in genus Cannabis Cannabis sativa Most commonly used illicit drug worldwide Hundreds of strains/hybrids Active compounds are called cannabinoids THC = delta-9- tetrahydrocannabinol CBD = cannabidiol Getty Images 17 Nov 2016 4

Cannabinoid Receptor System (discovered in 1990) CB1 receptor Brain and spinal cord (primarily) Peripheral nerves Muscle, liver, fat CB2 receptor Immune system (mainly) spleen white blood cells Inhibits release of several neurotransmitters Areas that affect pleasure, memory, pain, thinking, concentration, coordination Regulates immune responses and inflammatory reactions Anti-inflammatory, anti-cancer Psychoactive affects Binding site for THC No psychoactive affects Binding site for CBD 17 Nov 2016 5

Overall Health Effects of Marijuana Related mostly to THC content and its interaction with CB1 receptor Potency determined by THC content THC level THC/CBD ratio CBD may mitigate effects of THC Many strains and hybrids have been engineered to achieve desired effects Limited number of CB1 receptors in the brain stem 17 Nov 2016 6

Overall Health Effects of Marijuana Central Nervous System Memory loss, learning disability Depression, paranoia, addiction Anxiety Cardiovascular system Increased blood pressure and heart rate Increased risk for heart attack Digestive system Acute hunger ( munchies ) Constipation Respiratory (when smoked) Bronchitis Lung cancer 17 Nov 2016 7

2 History of Medical Marijuana Getty Images

History of Medical Marijuana 2727 BC Emperor Shen Neng (the father of Chinese medicine) 184 0 Dr. William O Shaughnessy Mid 1800s Expansion into Western medicine practices gout rheumatism malaria poor memory seizures nausea menstrual cramps headache, muscle spasm, menstrual cramps, rheumatism, convulsions of tetanus, childbirth pain, sleep sedative, depression, opium withdrawal 17 Nov 2016 9

Pure Food and Drug Act of 1906 Consumer protection act to combat poisonous foods, drugs, medicines, liquors Introduced proper labeling www.cnn.com The quick hit history of medical marijuana 17 Nov 2016 10

Marijuana Tax Act of 1937 Made possession and transfer of cannabis illegal in the USA Imposed high taxes (occupational excise tax, transfer tax) If you wanted to buy marijuana, you needed a stamp 17 Nov 2016 11

Controlled Substances Act of 1970 Five categories based on abuse potential and clinical usefulness Schedule 1 drugs No accepted medical use High potential for abuse Lack accepted safety data Cannot be prescribed by physicians Heroin, LSD, marijuana Comprehensive Drug Abuse Prevention and Control Act 17 Nov 2016 12

Current Status of Medical Marijuana in the USA Schedule 1 drug (no accepted medical use, high potential for abuse) Confirmed 2001 and 2006 Only two FDA-approved* cannabinoid drugs dronabinol, nabilone synthetic THC capsules Limited indications (N/V chemotherapy, anorexia AIDS) Not widely used (effectiveness) No FDA-approved medications that are smoked * FDA = Food and Drug Administration (responsible for approval/marketing of drugs in the USA) 17 Nov 2016 13

3 The Marijuana Revolution Getty Images

Medical Marijuana 1996 California Proposition 215 The Compassionate Use Act of 1996 Approved for use by seriously ill individuals with MD recommendation 2009 US Attorney General relaxed federal law enforcement Rapid rise in medical marijuana licenses Colorado: 4819 (12/08) => 116,000 (9/14) 2013 US Department of Justice advised US attorneys not to pursue action against physicians July 2016 medicinal marijuana legalized in 42 states 25 states, DC, Guam, Puerto Rico comprehensive public programs 17 additional states allow low THC (0.8%, 3%. 5%) products for limited situations November 2016 Florida, North Dakota, Arkansas 17 Nov 2016 15

Recreational Marijuana Nov 2012 Colorado Amendment 64 legalized recreational marijuana Jan 2014 Colorado retail stores opened for business Cash business, some shops > 500 customers/day $53 million in tax revenue in first year (28% tax rate) Feb 2016 recreational marijuana legalized in 4 states and the District of Columbia Colorado (2012), Washington (2012), Alaska (2014), and Oregon (2014) Nov 2016 California, Massachusetts, Nevada, Maine In general, these laws treat cannabis similar to alcohol Over 21, No public consumption, cannot transfer out-of-state Highly regulated, heavily taxed 17 Nov 2016 16

Marijuana Laws in the USA by State www.leafly.com February 1, 2016 ==> November 2016 4/17/16 PA 6/8/16 OH 11/16 FL, ND, AK CA, NV, MA, ME 17 Nov 2016 17

Patient Access to Medical Marijuana While each state has their own specific procedures, in general, this is the process: 1. Visit a physician 2. Obtain physician certification Qualified condition that may benefit from medical marijuana History and Physical Informed consent (risk/benefit ratio) 3. Medical marijuana obtained (dispensary or treatment center) Physician cannot legally prescribe medical marijuana only certify potential benefit Not available from pharmacies because it s federally illegal Ann Med 2016 Feb 25:1-14 17 Nov 2016 18

4 Medical Marijuana clinical evidence Getty Images

Medical Marijuana Use of marijuana or marijuana-like compounds for medicinal purposes Efficacy related to cannabinoid involved and receptor interaction (CB1, CB2) Includes forms other than smoked herbal marijuana Medical marijuana can include: Herbal marijuana that is smoked, vaporized, or ingested with variable THC/CBD content Synthetic analogues that mimic THC (e.g. dronabinol, nabilone) THC capsules THC oil Nabiximols oromucosal spray (THC/CBD) CBD only pills 17 Nov 2016 20

Medical Marijuana Medical research to date has primarily considered oral cannabinoids and not other routes (e.g. inhaled or ingested) Limited indications Chronic neuropathic or cancer pain Spasticity due to MS Nausea and vomited due to chemotherapy (low-quality evidence) Improvement in symptoms, but not statistically significant Poor quality data No assessment of long-term side effects Limited evidence to support cannabinoids for other medical conditions JAMA. 2015;313(24):2456-2473. doi:10.1001/jama.2015.6358. 17 Nov 2016 21

Investigational drugs currently undergoing FDA trials Drug name Forms Indications Approval status delta-9-tetrahydrocannabinol and canabidiol (Sativex ) cannabis extracts from Cannabis sativa (leaf/flower) 2.7 mg THC + 2.5 mg CBD per 100 microliter spray oromucosal spray Spasticity due to Multiple Sclerosis (MS) Neuropathic Pain (in MS) Moderate/Severe Pain in advanced cancer Approved in 18 European countries + New Zealand Israel Canada Canada FDA - Phase 3 Clinical Trials in USA cannabidiol (Epidiolex ) syrup/oil 99% CBD (almost no THC) Dravet syndrome rare intractable childhood epilepsy Very favorable initial results FDA Fast Track approval (pending) 17 Nov 2016 22

Qualifying Conditions (by state law) Most medical conditions not supported by solid clinical research No consistency in the USA Wide variability in approved conditions (based on low-quality evidence, anecdotal reports, public opinion, advisory board or council) Criteria very broad in some states Any serious medical condition for which medical use of marijuana (cannabis) is appropriate Chronic Pain Chronic fibromyalgia Migraine headaches Arthritis 17 Nov 2016 23

Qualifying Conditions Colorado Colorado Medical Marijuana Registry Indication "severe" pain muscle spasms severe nausea January 31, 2016 320,229 patients 107,798 active patients 13.3% have dedicated PCP 232 different physicians Male www.colorado.gov/cdphe/medicalmarij average age 42.5 17 Nov 2016 24

Chronic Pain 28 studies (2454 patients) Only 4 were for smoked THC 1-5 cigs/day (2.5% to 9.4%) vs. placebo Conditions Neuropathic Pain Cancer Pain HIV-associated sensory neuropathy Refractory pain due to MS or other neurological conditions Chemotherapy-induced pain Research supports compassionate care; increase quality of life JAMA. 2015;313(24):2456-2473. doi:10.1001/jama.2015.6358. 17 Nov 2016 25

Risk for Drug Abuse Is nearly all medical marijuana use in the USA actually disguised recreational use? Most current users were already regular marijuana users 91% use for pain 33% increase frequency of use in teens (high risk group) medical marijuana states vs 6% for the rest of the country 24.8% lower mean annual opioid mortality rate direct causal link cannot be established Medical marijuana got me off narcotic pain pills - anecdotal case report 100 Percocet pills/month => 1 joint three times/day (AZ) Ex-Chicago Bear, Jim McMahon Journal of Global Drug Policy and Practice (2014), National Survey on Drug Abuse and Health JAMA Internal Medicine. Aug 25, 2014, Chicago Tribune, Jan 29, 2016 17 Nov 2016 26

Medical Marijuana Users California vs. Netherlands California Netherlands Recreational Marijuana Illegal 1970s (decriminalized) Medical Marijuana (legalized date) 1996 2003 Date 2005-2010 2005-2010 Annual rates of use 7000 per 100,000 8-10 per 100,000 Sex Male (77%) Male (72.9%) Average Age 40.7 years 55.6 years Prior regular cannabis use < 19 y/o YES 89% YES 67% Average daily dose 2.4-3.8 grams 0.68 grams Indications Pain, insomnia, anxiety Chronic pain Hazekamp A, Eur J Clin Pharmacol. 2013;69(8):1575-80 17 Nov 2016 27

Edible Varieties 17 Nov 2016 28

Edible Varieties Estimated 16-26% of medical marijuana users consume edible products Lacks harmful by-products of smoking Delayed effects (peak 30 min 3 hours; duration 12 hours) Less bioavailability than when smoked Manufacturing of edible products is not standardized in the USA Labeling is poor Only 17% are labeled correctly 60% at least 10% LOWER (some with negligible amounts!) 23% at least 10% HIGHER Risk for unintentional overdose, intoxication, and death JAMA June 23/30, 2015 Volume 313, Number 24 17 Nov 2016 29

5 Implications for the Physician and the Insurance Industry Getty Images

Implications for the Physician in the USA Limited medical evidence to support majority of qualifying conditions No clear best practices (amount, variety, dosing regimen) esp. for smoked marijuana Dosing strategy = start slow, titrate up Lack of knowledge and comfort level to prescribe Ethical dilemma between compassionate care and adverse outcomes Risk for arrest and federal prosecution as well as malpractice risk Long term risks remain unclear (psychotic disorder, cognitive impairment, drug tolerance, drug dependency) 17 Nov 2016 31

Marijuana and Drugged driving Fatal car crashes involving marijuana have TRIPLED in the USA (1999-2010) California More than 40% increase in drivers killed in crashes who tested positive for drugs (2009-2013) Marijuana-related fatal accidents EQUAL to Alcohol-related fatal accidents (BAC > 0.08% legal limit) (Los Angeles and San Francisco) Increase in marijuana-related admissions to emergency rooms Colorado 32% increase in marijuana-related traffic deaths (year after 2013 recreational use law) Am J Epidemiology 17 Nov 2016 32

Implications for the Insurance Industry Life/Disability insurance Long term risks remain unclear psychosis/psychiatric impairment cognitive impairment drug tolerance and drug dependence Increase in drugged driving and accidents Risk for abuse substitute for narcotics or alcohol Health insurance Increase in health care utilization due to misuse (emergency rooms, poison control) Demand for approval for prescriptions for qualifying conditions Property and Casualty (P&C) insurance; Malpractice insurance High value of cannabis plants, growers, processors, dispensaries, liability 17 Nov 2016 33

Medical Marijuana Take Home Messages Medical marijuana is not going away Under federal law, marijuana is considered an illegal Schedule 1 drug Not first-line therapy for any medical condition Includes forms other than smoked herbal marijuana Clinical research lacking for most approved conditions with limited studies on smoked marijuana More scientific research is urgently needed specifically on the active components of cannabis in a nonsmoked form (e.g. cannabidiol) Rapidly evolving landscape Ongoing legalization/decriminalization of recreational marijuana only complicates the picture As the role of the drug evolves, the insurance industry will be required to respond flexibly 17 Nov 2016 34

Thank you very much for your attention! Gina C. Guzman, MD, DBIM, FALU, FLMI Vice President & Chief Medical Director Munich Re US (Life) gguzman@munichre.com 17 Nov 2016 35