Insurance brokers/producers need a competitive edge to win and retain clients in the long term. To achieve this goal, you require a partner who can help you develop benefit plans that do more.
The Difference Card’s model is built around this need. From creating cost-effective plans for your clients to alleviating their administrative burdens, we offer options that align with your goals.
Our cost-containment strategies aim to reduce employers’ healthcare spending, give them more control over their health plans, and maintain or enhance the quality of employee benefits. We offer:
This strategy enables you to create a unique, partially self-funded plan. Design multiple benefit options from a single, cost-effective carrier plan, offering your clients flexibility and control.
Through incentive-based plans, our wellness program encourages and rewards healthy habits to lower long-term costs.
Backed by Assurant, an A-rated insurance carrier, this solution caps your client's claim liability, providing financial peace of mind. Any claims that exceed the cap are covered by us, not your client.
This database tool allows users to search for providers based on quality and cost.
This product suite gives you access to our Online Enrollment Services Platform and more control over your overall benefits offerings.
A tax-advantaged way for employees to pay for their dependents’ care.
A triple tax-advantaged way to save for medical expenses with top-tier investment options.
Pretax benefits to save on parking, mass transit, and ride-sharing expenses for employees’ commute to work.
An employer-funded account to help employees cover their healthcare expenses.
This solution enables your clients to pay only for the dental claims their employees actually incur.
A pretax method to cover their out-of-pocket healthcare costs.
At The Difference Card, we help you protect your clients and mitigate risk, ensuring their benefit plans adhere to Employee Retirement Income Security Act (ERISA) and COBRA.
Perks that align with the needs of modern employees, from wellness apps to professional development.
As a reliable partner for brokers and produccers, we’ve built our solutions around solving your clients’ challenges:
Rising premiums often require clients to settle for high renewal rates that require them to either spend more, increase employee contributions, or reduce benefits. The Difference Card empowers you to break this cycle with cost-containment strategies that reduce healthcare costs, turning a challenging renewal conversation into a positive discussion.
Traditional, fully-insured plans are rigid and often fail to meet the diverse needs of a modern workforce or a client’s specific financial goals. Our MERP platform empowers you to build customized benefit plans tailored to your client’s budget and employee population, transforming you into a strategic advisor.
The most common objection to the savings power of self-funding is the fear of risk. Employers worry that one year of exceptionally high claims could impact their budget. We provide financial protection that contractually caps your client’s claim liability. This solution provides cost predictability and allows you to confidently present a powerful savings strategy without the associated volatility.
When you recommend a partner, their service is a direct reflection on you. With this understanding, we’re committed to making benefits effortless for your clients. Our technology-driven platform simplifies the entire benefits lifecycle, offering a seamless experience for both HR teams and employees.
Our partnership helps you gain a decisive competitive advantage. By leveraging our solutions, you can deliver savings and flexibility, solidifying your reputation as a forward-thinking, indispensable advisor to your clients. Our expert team will help design the ideal plan for your clients and support you every step of the process, from transition to enrollment. We provide the ongoing support and resources you need to win new business and retain clients for the long haul.
Employer groups get the best of both worlds: a significant reduction in healthcare costs and a high-quality benefits package for their employees. We offer them greater control and predictability over their budget, backed by detailed reporting that tracks plan utilization and validates their savings. With a dedicated account team and a streamlined platform, we make benefits simple, affordable, and easy to manage.
Employees get access to lower out-of-pocket costs without having to switch to a high-deductible plan. With our user-friendly mobile app and world-class customer care team, employees have the support and tools they need to easily navigate their healthcare. The simple-to-use Difference Card makes paying at the doctor or pharmacy seamless, and our educational tools empower them to make smarter healthcare decisions.
Ready to provide your clients with a better benefits plan? Let us show you how our innovative solutions can help you win and retain more business.
