A professional employer organization (PEO) offers health insurance, among other benefits. Many small- to medium-sized businesses work with one. However, you can often get better coverage, flexibility, and cost savings if you work with a medical expense reimbursement plan (MERP). PEO contracts come with strings attached that limit your flexibility regarding coverage. Before making a decision, […]

Both a health savings account (HSA) and a flexible spending account (FSA) offer excellent benefits. The accounts provide an opportunity to pay for healthcare with pretax dollars, making it easier for employees to access the care they need. However, the choice you offer your employees comes with eligibility requirements based on various factors. Explore the differences between HSA and […]

Join Us for a Live Webinar Introducing PLUM We are excited to unveil PLUM, our brand-new Provider Lookup Manager Tool that gives members real transparency into the cost and quality of their healthcare. Join us for an exclusive, where we’ll take you on a behind‑the‑scenes tour of PLUM and show you how it can support […]

As The Difference Card celebrates its 25th anniversary, we had the privilege of sitting down with our founder, Paul Staubi, to reflect on the company’s beginnings, its evolution, and its lasting impact on the healthcare benefits industry. What started as a vision to help employers combat rising healthcare costs has grown into a quarter‑century of […]

As The Difference Card celebrates an incredible 25 years, we’re also celebrating the people who bring our mission to life every day. One of those people is Loretta Silecchia, whose 16-year journey with TDC reflects the heart of who we are. Through passion, accountability, innovation, and respect, Loretta has experienced firsthand what it means to […]

The Difference Card is proud to recognize Steve Freeman of USI’s San Francisco office as our Broker of the Month, spotlighting his commitment to innovative healthcare cost-containment strategies and his strong partnership with the Difference Card consulting team. Steve is a trusted advisor to public sector and education-based employers across California, known for helping organizations […]

Employers have a responsibility to find the most valuable health benefits for their employees. However, it is easy to overlook the considerable impact that medical expenses have on businesses. Confidently explaining why stop-loss insurance is a viable option to help employers manage associated costs is essential. This guide focuses on the basics and advanced knowledge […]

Greenwich, CT – The Difference Card, a leading provider of cost-effective health insurance solutions, announced today that two new leaders, Richard Perrin and Matthew Hegarty, will be joining the team to manage the Technology and Underwriting Departments.   Richard Perrin has been named Chief Technology Officer at The Difference Card, bringing more than 15 years of experience leading technology innovation and scaling high-performance engineering teams. Most recently as CTO at Remodel Health, Richard has a proven track record of driving […]

A nonprofit social services organization located in Upper Manhattan was facing a significant financial challenge after receiving a 16% health insurance renewal increase from its incumbent carrier. With 125 employees enrolled, the increase would have driven the organization’s annual healthcare spend to more than $3.7 million, an unsustainable outcome for an employer operating within a […]