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Broker of the Month: Joanna Antongiovanni at Higginbotham
Building Better Outcomes Through Partnership At The Difference Card, we recognize the brokers and consultants who go above and beyond to help employers control healthcare costs while improving the employee experience. This month, we are proud to recognize Joanna Antongiovanni…
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A Guide to MERP Options and Their Tax Benefits and Advantages
Tax Benefits of a MERP Employer-sponsored healthcare costs increase year after year, putting pressure on businesses of every size. Many employers want to offer competitive health benefits without taking on steadily rising costs, and a Medical Expense Reimbursement Plan (MERP) offers just…
Read MoreHealthcare costs continue to rise, with the average annual premiums for employer-sponsored family health coverage up by 6% in 2025 compared to 2024. As a result, employers face growing pressure to offer meaningful benefits without stretching already tight budgets. Employees also…
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Integrating Provider Lookup Tools With Health Insurance Plans
When members search for a doctor, they rely on provider directories to find in-network clinicians and avoid surprise bills. But what happens when those directories are riddled with inaccuracies? In Pennsylvania, 44.8% of provider listings contain at least one inaccuracy, and only…
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Broker of the Month: Shawn Hill, Marsh McLennan Agency
Delivering Innovative Healthcare Savings for Public Sector Employers At The Difference Card, we are proud to recognize Shawn Hill of Marsh McLennan Agency as our Broker of the Month for his outstanding commitment to helping public sector employers deliver exceptional employee…
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What Is a Level-Funded Health Plan?
A level-funded health plan is a hybrid model that combines the best features of traditional insurance with modern cost-control strategies. You get the financial protection and predictable monthly payments of a fully insured plan, plus the flexibility and potential savings…
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Southern California Religious Non-Profit Achieves More Than $500,000 in Guaranteed Annual Savings While Enhancing Employee Benefits
As healthcare costs continue to challenge employers across the country, organizations are searching for innovative ways to protect their budgets without asking employees to sacrifice the quality of their healthcare benefits. Through a collaborative partnership between Chris Frascarelli, Senior Sales…
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How Transparency in Healthcare Pricing Can Affect Patient Choices
Healthcare pricing has long been a source of frustration for employees and their families. For decades, the true cost of medical services remained hidden behind layers of negotiation, complex billing systems, and opaque insurance processes. Patients often received care without…
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A Broker’s Guide to Helping Clients Understand Provider Search Tools
You’re sitting across from a CFO in the final renewal meeting. You’ve done the legwork, presented competitive rates, and answered the standard questions. Then they ask, “The network looks fine on paper, but how do we know these are good…
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New England Private School Achieves $273,000 in Guaranteed Annual Savings with the Difference Card MERP Solution.
Private School Reduces Healthcare Costs While Maintaining Benefits and Budget Certainty A respected private school in New England, with over 100 teachers on staff, was facing a familiar challenge confronting educational institutions across the country: rising healthcare costs that threatened…
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