Delivering Custom & Cost-Effective Health Insurance Benefits

A one-of-a-kind solution that can reduce health insurance costs by 18%. The Difference Card can often improve employee benefits without increasing costs to the employer.

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See the Difference

FOR PRODUCERS
FOR EMPLOYERS
FOR MEMBERS

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Benefits for Our

Producer Partners

The Difference Card’s exclusive distribution strategy gives our producers a unique health insurance savings solution they can bring to their clients.
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Stand out in a crowd: The Difference Card’s unique health insurance plans can differentiate your agency in a crowded brokerage marketplace.
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Grow your agency: In 2021, The Difference Card strategy helped our Producers win 59 new “broker of record” accounts- resulting in $1.6 million of new revenue for our Partner Agencies.
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Retain your clients: The Difference Card is a long-term solution for the rising cost of healthcare. Our clients continue to see savings year after year.
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Strategic partners you can rely on: The Difference Card works closely with our strategic partners to deliver outstanding savings and customer service to our mutual clients.
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View Benefits

Stand out in a crowd: The Difference Card’s unique health insurance plans can differentiate your agency in a crowded brokerage marketplace.
LEARN MORE
Grow your agency: In 2021, The Difference Card strategy helped our Producers win 59 new “broker of record” accounts- resulting in $1.6 million of new revenue for our Partner Agencies.
LEARN MORE
Retain your clients: The Difference Card is a long-term solution for the rising cost of healthcare. Our clients continue to see savings year after year.
LEARN MORE
Strategic partners you can rely on: The Difference Card works closely with our strategic partners to deliver outstanding savings and customer service to our mutual clients.
LEARN MORE

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Benefits for Our

Employers Partners

With the Difference Card Team, you are never alone. Your dedicated client success team delivers health insurance savings while maintaining the highest level of benefits for your employees.

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Savings you can see: We can reduce medical insurance costs by 5-20% without reducing benefits. Clients on average can see an annual net savings of over $2,000 per employee, per year.
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Best-in-class benefits: With The Difference Card, you do not need to reduce benefits to see savings. There is no need to change providers and you can keep your current insurance carrier.
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The results speak for themselves: Difference Card clients are loyal to the program because they see the savings. We have a 90% retention rate because we help employers adopt a strategy that drives savings. After five years, most clients continue to spend less on health benefits than they did before implementing The Difference Card.
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Guaranteed savings for peace of mind: We offer the ability to limit your claim exposure and underwrite your plan with The Difference Guarantee. The Difference Guarantee is insured by an A rated division of Assurant.
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View Benefits

Savings you can see: We can reduce medical insurance costs by 5-20% without reducing benefits. Clients on average can see an annual net savings of over $2,000 per employee, per year.
LEARN MORE
Best-in-class benefits: With The Difference Card, you do not need to reduce benefits to see savings. There is no need to change providers and you can keep your current insurance carrier.
LEARN MORE
The results speak for themselves: Difference Card clients are loyal to the program because they see the savings. We have a 90% retention rate because we help employers adopt a strategy that drives savings. After five years, most clients continue to spend less on health benefits than they did before implementing The Difference Card.
LEARN MORE
Guaranteed savings for peace of mind: We offer the ability to limit your claim exposure and underwrite your plan with The Difference Guarantee. The Difference Guarantee is insured by an A rated division of Assurant.
LEARN MORE

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Benefits for Our

Member Partners

The Difference Card provides you with personalized support and an efficient system to get reimbursed quickly.

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Reduce your out-of-pocket spend: Our goal is to help you generate savings so you are putting more of your take home pay in your pocket. We reduce the burden of healthcare by lowering the amount you pay on some claims. When your health insurance company says it is your time to pay, we help you.
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Where you go, we go: Our smart mobile app gives you the ability to check your account balance from anywhere. You can also view transaction details, submit a claim with the click of a picture, get access to prescription discounts, and find quality care near you.
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Get paid quickly: No one likes medical bills, but we are here to help pay for them. Snap a picture of your documentation and submit a claim to get your money quickly. We process 99% of claims within two business days.
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Health is wealth: Every member gets access to our Wellness Platform where you can access tools for all dimensions of wellness: physical, emotional, spiritual, occupational, social, and intellectual well-being.
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View Benefits

Reduce your out-of-pocket spend: Our goal is to help you generate savings so you are putting more of your take home pay in your pocket. We reduce the burden of healthcare by lowering the amount you pay on some claims. When your health insurance company says it is your time to pay, we help you.
LEARN MORE
Where you go, we go: Our smart mobile app gives you the ability to check your account balance from anywhere. You can also view transaction details, submit a claim with the click of a picture, get access to prescription discounts, and find quality care near you.
LEARN MORE
Get paid quickly: No one likes medical bills, but we are here to help pay for them. Snap a picture of your documentation and submit a claim to get your money quickly. We process 99% of claims within two business days.
LEARN MORE
Health is wealth: Every member gets access to our Wellness Platform where you can access tools for all dimensions of wellness: physical, emotional, spiritual, occupational, social, and intellectual well-being.
LEARN MORE

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The Difference Card Advantage

The Difference Card disrupts the healthcare status quo by helping clients create unique benefit plan designs. These plans allow you to lower your health care costs while maintaining a level of benefits that exceeds your company’s expectations.

Custom Benefit Plans: Creating benefit plans that fits the needs of our members, while lowering the employer health benefits spend by 18%, on average.
Guaranteed Savings: Using the power of data to design custom benefit plans based on 20 years of usage analytics to GUARANTEE savings.
Superior Service: Providing world-class service with dedicated Client Success Teams and exceptional Member Service Call Center Representatives.

$1 Billion

In total savings provided to our clients since our founding in 2001.

18% Savings

The average amount of savings our Employer Groups see in the first year.

2 Days

99% of claims submitted to The Difference Card are processed in two days or less.

30 Seconds

The average wait time when calling our Member Services phone line.

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Testimonials

Hear From People Just Like You

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"The Difference Card is a difference maker for my clients. " — Matthew Coleman | Partner AT Summit Trail Advisors

"Yvette was great! She was a pleasure to speak with! " — Margie

Yvette,Customer Care Specialist

"I have worked with the Difference Card for 10+ years. They’re a great partner and provide a..." — Nicola Young | Assistant Vice President of Benefits AT Risk Strategies Company

"Really excellent service, clear and professional as well as being very kind and patient. " — Peter

Lynden,Customer Care Specialist

"Melissa was a pleasure to speak with. She was very patient with me. " — Yvette

Melissa,Customer Care Specialist

"My staff is happy with the services provided by The Difference Card. " — HR Manager AT New York Hospital

More Insights

Visit Our Blog to Learn More

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Over $1 Billion in Savings for Our Clients!

The Difference Card celebrates a major milestone by hitting $1 Billion in total savings through reduced healthcare spend...

Over $1 Billion in Savings for Our Clients!

The Difference Card celebrates a major milestone by hitting $1 Billion in total savings through reduced healthcare spend...

Why The Difference Card Uses a MERP to Build Custom Plan Designs

Introducing The Difference Benefits Admin System!

Education Case Study: University Saves $176,595 on Renewal & Improved Benefits Using The Difference Card

Introducing The Difference Card

Welcome to The Difference Card!

This 2-minute video introduces our members to The Difference Card and explains how our health insurance solution works with your underlying medical plan.

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Videos

How to Swipe Your Difference Card

Join Danny Difference in this quick 72-second video that will show you how easy it is to swipe your Difference Card at the doctor’s office, emergency room or pharmacy for things like copays and prescriptions.

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Videos

How to Get Help with Your Medical Bills

In the brief 1-minute video, Danny Difference guides you through the process of getting reimbursed from The Difference Card for your medical bills.

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Videos

Introducing The Difference Card

Welcome to The Difference Card!

This 2-minute video introduces our members to The Difference Card and explains how our health insurance solution works with your underlying medical plan.

WATCH MORE VIDEOS Request a proposal