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

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

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

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