Careers

This position creates broker distribution networks to promote the Difference Card product suite and help employers to reduce their health insurance spend, while maintaining great benefits for employees.

· Identifying potential strategic broker partners

· Selling to customers in the 50 – 500 employee range through broker partners

· Accountable for prospect from presale through implementation.

· Providing the necessary broker support for successful education and implementation of the Difference Card. This includes interacting with broker partner teams and conducting broker education meetings to ensure thorough explanation and understanding of the product.

· Develop and maintain key internal relationships.

· Understand customer needs and provide value-added consultation.

· Present a positive image of the Difference Card in the marketplace.

· Understanding the importance of Wellness and the pivotal role it plays in the employee benefits arena.

Position Metrics

· Activity: 8 broker meetings per week and 10 client meetings per month

· Opportunity: 10 RFP’s per month resulting in 18,500 quoted lives per year

· Close Ratio: 22 sold accounts per year with 1,850 enrolled new business lives

Education and Licensure Requirements

· Bachelor’s degree or experience otherwise equivalent to a bachelor’s degree.

· State Health Insurance License or ability to obtain a state health insurance license within three months of starting position

Skills and Experience

· Two years’ experience in the broker / employer group benefits industry

· Excellent public speaking skills with ability to present to business decision makers, brokers and employees and influence outcomes.

· Superior presentation skills both in person and virtual capacity, experience utilizing Zoom and Microsoft Teams preferred.

· Proficiency in Microsoft Outlook, PowerPoint, Word, Excel, and Salesforce

· History of new business sales success

· Strong network of group health insurance brokers and consultants

Apply Here

The goal of this position is to delight our clients through superior customer service and relationship building. This position helps external and internal customers by answering questions, fulfilling requests, providing education about health care, and resolving problems that may arise. This position will service external and internal customers via phone and SalesForce queues email. This position answers a high volume of calls and cases on a daily basis. In addition, travel to client meetings is expected periodically. The position requires:

· Personal Accountability: Prioritize and stay organized. Report to shift on time and meet attendance expectations of the position. Attend client meetings on time, when scheduled. Ability to organize daily workload to effectively achieve turnaround time, and customer satisfaction. Actions and key customer touch points are properly documented in SalesForce, to allow for transparency.

· Passion: Delight customer by providing amazing customer services as demonstrated by generating positive customer satisfaction scores and testimonials, responding to emails in a high-volume environment within 4 -8 hours-

· Productivity: Ensure we are working as efficiently as possible, and able to meet productivity goals of the position. Strive for one-touch resolution of customer issues while communicating appropriate options in a timely and professional manner.

· Innovation: Be open to change.

· Presentation Skills: Ability to conduct webinars and open enrollment meetings for clients.

· Analytical Skills: Ability to review renewal exhibits and explain savings models for customers.

· Extraordinary Customer Service Skills: Service customers by maintaining a client friendly approach when answering calls and emails. Apply listening skills to fully understand scope of customer requests. Establish and maintain effective relationships with customers to gain their trust and respect. Advise, consult, and negotiate with customers.

· Problem Solving Skills: Ability to ask questions to customer and internal stakeholders to determine the nature of a problem to help effectively solve issues. Research required information using available resources and reporting including claim systems, websites, and databases. Exercise critical thinking. Properly enlist internal department resources for assistance with effective and efficient resolution.

· Inquisitive skills:

· Exceptional Communications Skills: Ability to identify and explain to internal and external customers, in both written and verbal format, the root-cause of issues presented in an easy-to-understand manner that does not result in escalation.

· Consultative Skills: Ability to de-escalate issues, raised from internal or external customers when desired client outcome is not viable by providing guidance and alternative solutions that will achieve client satisfaction.

· Patience and Diplomacy: Manage and resolve customer complaints.

· Commitment: Identify and escalate priority issues. Follow up with customers and internally to ensure we always keep our word to our clients. Own client issues from initial report to resolution or escalation, communicating with customers regularly regarding issue status.

· Sales Skills: Ability to present and offer products and services to existing customers that will complement and enhance their benefit package and generate revenue for the organization.

· Help Others: Provide customers with product and service information, educating customers and making sure they know how to maximize their benefits.

· Flexibility: Other duties as assigned.

· Complex Problem-Solving Skills: Ability to manage and solve complex problems for clients, anticipating client communication needs, and influence outcomes across multiple parties.

· Humility: Help team members when they encounter cases they could not de-escalate or when they need help to resolve open matters to the satisfaction of the client through an escalation process.

· Subject Matter Expert: Ability to become a subject matter expert in complex areas of the organization to resolve client issues and provide training to team members.

· Documentation Skills: Ability to document processes and formulate checklists that result in process efficiencies amongst the team.

Apply Here

Your Role at The Difference Card:

You’ll report directly to the Vice President of Marketing and will work closely with the Marketing Manager to meet The Difference Card’s marketing objectives and KPIs.

This position is in the Revenue Department and will support the Marketing Department as well as the Sales Team to drive the company forward in meeting annual and quarterly revenue targets.

The Marketing Specialist will be responsible for the creation of communications strategies and content pieces for The Difference Card’s digital marketing efforts. They will manage social media channels and create content while establishing measurable goals to increase lead generation efforts for The Difference Card.

The Marketing Specialist should have solid experience in managing social media platforms for B2B organizations. The ideal candidate is adept at creating compelling digital marketing content such as blog posts, email campaigns, flyers, white papers, webinar promotions, and social posts.

Your Key Responsibilities Will Include:

• Owning the content calendar by generating new content, scheduling, and posting to the socials daily, and blogs and emails weekly. Ensure content goes out on correctly and on time to desired audiences.

• Creating engaging, highly sharable content including but not limited to, social media posts, blog posts, articles, videos, white papers, case studies, webinars, PowerPoint presentations, flyers, brochures, etc.

• Championing the brand and ensuring consistent adherence The Difference Card brand style and voice. Ensuring all marketing materials utilizes the proper logo, color palette, brand voice, and meet brand standards.

• Managing and owning social media channels and the success of organic content performance.

• Curating The Difference Card’s LinkedIn presence by listening, moderating, and engaging with our audience to establish community, relationships, and understanding of The Difference Card’s mission.

• Working with the Marketing Manager to review data and create growth-strategies to increase social media followers and engagement rates.

• Exploring new ways to reach our three core audiences: health insurance brokers, employer groups, and employees.

• Working collaboratively with the Sales Team to create prospecting materials and pitch decks.

• Supporting the Member Services Team to create client and member content that educates and informs while adhering to brand standards.

• Supporting in-person events by ordering and supplying the team with giveaways and booth supplies.

• Maintaining the storage and organization of digital assets.

Apply Here

This position creates broker distribution networks to promote the Difference Card product suite and help employers to reduce their health insurance spend, while maintaining great benefits for employees.

· Identifying potential strategic broker partners

· Selling to customers in the 50 – 5,000 employee range through broker partners

· Accountable for prospect from presale through implementation.

· Providing the necessary broker support for successful education and implementation of the Difference Card. This includes interacting with broker partner teams and conducting broker education meetings to ensure thorough explanation and understanding of the product.

· Develop and maintain key internal relationships.

· Understand customer needs and provide value-added consultation.

· Present a positive image of the Difference Card in the marketplace.

· Understanding the importance of Wellness and the pivotal role it plays in the employee benefits arena.

Position Metrics

· Activity: 8 broker meetings per week and 10 client meetings per month

· Opportunity: 10 RFP’s per month resulting in 18,500 quoted lives per year

· Close Ratio: 22 sold accounts per year with 1,850 enrolled new business lives

Education and Licensure Requirements

· Bachelor’s degree or experience otherwise equivalent to a bachelor’s degree.

· State Health Insurance License or ability to obtain a state health insurance license within three months of starting position

Skills and Experience

· Two years’ experience in a sales role in employer group benefits or relevant industry

· Excellent public speaking skills with ability to present to business decision makers, brokers and employees and influence outcomes.

· Superior presentation skills both in person and virtual capacity, experience utilizing Zoom and Microsoft Teams preferred.

· Proficiency in Microsoft Outlook, PowerPoint, Word, Excel, and Salesforce

· History of new business sales success

· Strong network of group health insurance brokers and consultants

Apply Here

This position creates broker distribution networks to promote the Difference Card product suite and help employers to reduce their health insurance spend, while maintaining great benefits for employees.

· Identifying potential strategic broker partners

· Selling to customers in the 50 – 5,000 employee range through broker partners

· Accountable for prospect from presale through implementation.

· Providing the necessary broker support for successful education and implementation of the Difference Card. This includes interacting with broker partner teams and conducting broker education meetings to ensure thorough explanation and understanding of the product.

· Develop and maintain key internal relationships.

· Understand customer needs and provide value-added consultation.

· Present a positive image of the Difference Card in the marketplace.

· Understanding the importance of Wellness and the pivotal role it plays in the employee benefits arena.

Position Metrics

· Activity: 8 broker meetings per week and 10 client meetings per month

· Opportunity: 10 RFP’s per month resulting in 18,500 quoted lives per year

· Close Ratio: 22 sold accounts per year with 1,850 enrolled new business lives

Education and Licensure Requirements

· Bachelor’s degree or experience otherwise equivalent to a bachelor’s degree.

· State Health Insurance License or ability to obtain a state health insurance license within three months of starting position

Skills and Experience

· Two years’ experience in a sales role in employer group benefits or relevant industry

· Excellent public speaking skills with ability to present to business decision makers, brokers and employees and influence outcomes.

· Superior presentation skills both in person and virtual capacity, experience utilizing Zoom and Microsoft Teams preferred.

· Proficiency in Microsoft Outlook, PowerPoint, Word, Excel, and Salesforce

· History of new business sales success

· Strong network of group health insurance brokers and consultants

Apply Here

This position creates broker distribution networks to promote the Difference Card product suite and help employers to reduce their health insurance spend, while maintaining great benefits for employees.

· Identifying potential strategic broker partners

· Selling to customers in the 50 – 5,000 employee range through broker partners

· Accountable for prospect from presale through implementation.

· Providing the necessary broker support for successful education and implementation of the Difference Card. This includes interacting with broker partner teams and conducting broker education meetings to ensure thorough explanation and understanding of the product.

· Develop and maintain key internal relationships.

· Understand customer needs and provide value-added consultation.

· Present a positive image of the Difference Card in the marketplace.

· Understanding the importance of Wellness and the pivotal role it plays in the employee benefits arena.

Position Metrics

· Activity: 8 broker meetings per week and 10 client meetings per month

· Opportunity: 10 RFP’s per month resulting in 18,500 quoted lives per year

· Close Ratio: 22 sold accounts per year with 1,850 enrolled new business lives

Education and Licensure Requirements

· Bachelor’s degree or experience otherwise equivalent to a bachelor’s degree.

· State Health Insurance License or ability to obtain a state health insurance license within three months of starting position

Skills and Experience

· Two years’ experience in a sales role in employer group benefits or relevant industry

· Excellent public speaking skills with ability to present to business decision makers, brokers and employees and influence outcomes.

· Superior presentation skills both in person and virtual capacity, experience utilizing Zoom and Microsoft Teams preferred.

· Proficiency in Microsoft Outlook, PowerPoint, Word, Excel, and Salesforce

· History of new business sales success

· Strong network of group health insurance brokers and consultants

Apply Here

This position works with broker distribution networks to retain and grow an existing client book of business. This role requires an individual who is professional and exhibits the determination and self-motivation to delight customers. Your primary goal will be to retain a book of employer accounts. Ideally the candidate would be a team player with a great attitude and the ability to work in a fast-paced, ever-changing environment.
• Maintain strong relationships with existing strategic broker partners.
• Retain customers in the small and mid-market business range through channel distribution broker partners.
• Understand customer needs and provide value-added consultation. Help Clients define a healthcare strategy that results in Difference Card renewing the business by conducting midyear, pre-renewal broker and renewal client meetings.
• Providing the necessary broker support for successful education and implementation of the Difference Card. This includes interacting with broker partner teams and conducting broker education meetings to ensure thorough explanation and understanding of the product.
• Conduct professional employee open enrollment meetings to educate members on the Difference Card solution, with the objective of reducing member inquiries, increasing enrollment in Difference Card products, and increasing client retention rates.
• Travel as required for client meetings.
• Develop and maintain key relationships with internal departments such as Operations, Technology, Finance and Underwriting.
• Understand customer needs and provide value-added consultation.
• Cross-sell additional lines of business to existing employer group customers.
• Convert large Difference Card accounts to the self-funded Difference Health Plan, when appropriate.
• Delight broker and employer clients by responding to inquiries received via email and phone within 4-8 hours of receipt.
• Other duties as assigned.

Apply Here

This position works with broker distribution networks to retain and grow an existing client book of business. This role requires an individual who is professional and exhibits the determination and self-motivation to delight customers. Your primary goal will be to retain a book of employer accounts. Ideally the candidate would be a team player with a great attitude and the ability to work in a fast-paced, ever-changing environment.
• Maintain strong relationships with existing strategic broker partners.
• Retain customers in the small and mid-market business range through channel distribution broker partners.
• Understand customer needs and provide value-added consultation. Help Clients define a healthcare strategy that results in Difference Card renewing the business by conducting midyear, pre-renewal broker and renewal client meetings.
• Providing the necessary broker support for successful education and implementation of the Difference Card. This includes interacting with broker partner teams and conducting broker education meetings to ensure thorough explanation and understanding of the product.
• Conduct professional employee open enrollment meetings to educate members on the Difference Card solution, with the objective of reducing member inquiries, increasing enrollment in Difference Card products, and increasing client retention rates.
• Travel as required for client meetings.
• Develop and maintain key relationships with internal departments such as Operations, Technology, Finance and Underwriting.
• Understand customer needs and provide value-added consultation.
• Cross-sell additional lines of business to existing employer group customers.
• Convert large Difference Card accounts to the self-funded Difference Health Plan, when appropriate.
• Delight broker and employer clients by responding to inquiries received via email and phone within 4-8 hours of receipt.
• Other duties as assigned.

Apply Here

This position works with broker distribution networks to retain and grow an existing client book of business. This role requires an individual who is professional and exhibits the determination and self-motivation to delight customers. Your primary goal will be to retain a book of employer accounts. Ideally the candidate would be a team player with a great attitude and the ability to work in a fast-paced, ever-changing environment.
• Maintain strong relationships with existing strategic broker partners.
• Retain customers in the small and mid-market business range through channel distribution broker partners.
• Understand customer needs and provide value-added consultation. Help Clients define a healthcare strategy that results in Difference Card renewing the business by conducting midyear, pre-renewal broker and renewal client meetings.
• Providing the necessary broker support for successful education and implementation of the Difference Card. This includes interacting with broker partner teams and conducting broker education meetings to ensure thorough explanation and understanding of the product.
• Conduct professional employee open enrollment meetings to educate members on the Difference Card solution, with the objective of reducing member inquiries, increasing enrollment in Difference Card products, and increasing client retention rates.
• Travel as required for client meetings.
• Develop and maintain key relationships with internal departments such as Operations, Technology, Finance and Underwriting.
• Understand customer needs and provide value-added consultation.
• Cross-sell additional lines of business to existing employer group customers.
• Convert large Difference Card accounts to the self-funded Difference Health Plan, when appropriate.
• Delight broker and employer clients by responding to inquiries received via email and phone within 4-8 hours of receipt.
• Other duties as assigned.

Apply Here

The Difference Card is seeking an experienced Director of Healthcare Underwriting to lead our underwriting department in evaluating and optimizing health plan solutions for employers and brokers. This role is crucial for managing risk while maintaining competitive pricing across the overall program liability. The ideal candidate will bring a strong background in first dollar healthcare underwriting, including expertise in manual and experience rating, and an ability to strategically balance risk and value for clients across multiple plan scenarios.

Underwriting Leadership: Develop and implement underwriting policies and guidelines specifically for Medical Expense Reimbursement Plans, ensuring alignment with The Difference Card’s goals and financial objectives. Team Development and Management: Lead, mentor, and manage a team of healthcare underwriters, promoting a high-performance culture focused on accuracy, efficiency, and adherence to underwriting standards.

Risk Assessment and Pricing for Healthcare Plans: Oversee the underwriting of Medical Expense Reimbursement Plans, including experience rating and assessing plan decrements through manual rating techniques.

Client and Broker Engagement: Collaborate with internal account service and sales teams to tailor healthcare solutions for brokers that meet client needs while aligning with The Difference Card’s risk management protocols.

Cross-Department Collaboration: Work closely with departments such as Sales, Product Development, and Finance to ensure a unified approach to client solutions, enhancing the profitability of underwriting practices.

Data-Driven Strategy: Utilize healthcare data analytics and market trends to guide underwriting decisions, forecast risks, and drive adjustments to pricing and risk models.

Process Optimization: Continuously assess and enhance underwriting processes to increase efficiency and accuracy, maintaining compliance with regulatory and industry standards.

Reporting and Analysis: Generate regular reports on underwriting outcomes, portfolio performance, and profitability metrics for senior leadership review.

Other relevant duties as assigned

Apply Here