Delivering Custom & Cost-Effective Health Insurance Benefits

A one-of-a-kind solution that can reduce health insurance costs by 18%. The Difference Card can often improve employee benefits without increasing costs to the employer.

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FOR PRODUCERS
FOR EMPLOYERS
FOR MEMBERS

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Benefits for Our

Producer Partners

The Difference Card’s exclusive distribution strategy gives our producers a unique health insurance savings solution they can bring to their clients.

Become a Partner

Stand out in a crowd: Our unique health insurance plans can help your agency differentiate itself in a crowded brokerage marketplace.
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Grow your agency: In 2024, our strategy enabled Producers to win 195 new “broker of record” accounts, generating $8.4 million in new revenue for Partner Agencies.
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Retain your clients: Offering a long-term solution to rising healthcare costs, clients experience ongoing savings year after year.
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Strategic partners you can rely on: We work closely with our partners to deliver outstanding savings and exceptional customer service to our mutual clients.
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View Benefits

Stand out in a crowd: Our unique health insurance plans can help your agency differentiate itself in a crowded brokerage marketplace.
LEARN MORE
Grow your agency: In 2024, our strategy enabled Producers to win 195 new “broker of record” accounts, generating $8.4 million in new revenue for Partner Agencies.
LEARN MORE
Retain your clients: Offering a long-term solution to rising healthcare costs, clients experience ongoing savings year after year.
LEARN MORE
Strategic partners you can rely on: We work closely with our partners to deliver outstanding savings and exceptional customer service to our mutual clients.
LEARN MORE

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Benefits for Our

Employers Partners

With the Difference Card Team, you are never alone. Your dedicated client success team delivers health insurance savings while maintaining the highest level of benefits for your employees.

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Savings you can see: We can reduce medical insurance costs by 5-20% without reducing benefits. Clients on average can see an annual net savings of over $2,000 per employee, per year.
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Best-in-class benefits: With The Difference Card, you do not need to reduce benefits to see savings. There is no need to change providers and you can keep your current insurance carrier.
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The results speak for themselves: Difference Card clients are loyal to the program because they see the savings. We have a 90% retention rate because we help employers adopt a strategy that drives savings. After five years, most clients continue to spend less on health benefits than they did before implementing The Difference Card.
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Guaranteed savings for peace of mind: We offer the ability to limit your claim exposure and underwrite your plan with The Difference Guarantee. The Difference Guarantee is insured by an A rated division of Assurant.
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View Benefits

Savings you can see: We can reduce medical insurance costs by 5-20% without reducing benefits. Clients on average can see an annual net savings of over $2,000 per employee, per year.
LEARN MORE
Best-in-class benefits: With The Difference Card, you do not need to reduce benefits to see savings. There is no need to change providers and you can keep your current insurance carrier.
LEARN MORE
The results speak for themselves: Difference Card clients are loyal to the program because they see the savings. We have a 90% retention rate because we help employers adopt a strategy that drives savings. After five years, most clients continue to spend less on health benefits than they did before implementing The Difference Card.
LEARN MORE
Guaranteed savings for peace of mind: We offer the ability to limit your claim exposure and underwrite your plan with The Difference Guarantee. The Difference Guarantee is insured by an A rated division of Assurant.
LEARN MORE

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Benefits for Our

Member Partners

The Difference Card provides you with personalized support and an efficient system to get reimbursed quickly.

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Reduce your out-of-pocket spend: Our goal is to help you generate savings so you are putting more of your take home pay in your pocket. We reduce the burden of healthcare by lowering the amount you pay on some claims. When your health insurance company says it is your time to pay, we help you.
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Where you go, we go: Our smart mobile app gives you the ability to check your account balance from anywhere. You can also view transaction details, submit a claim with the click of a picture, get access to prescription discounts, and find quality care near you.
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Get paid quickly: No one likes medical bills, but we are here to help pay for them. Snap a picture of your documentation and submit a claim to get your money quickly. We process 99% of claims within two business days.
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Health is wealth: Every member gets access to our Wellness Platform where you can access tools for all dimensions of wellness: physical, emotional, spiritual, occupational, social, and intellectual well-being.
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View Benefits

Reduce your out-of-pocket spend: Our goal is to help you generate savings so you are putting more of your take home pay in your pocket. We reduce the burden of healthcare by lowering the amount you pay on some claims. When your health insurance company says it is your time to pay, we help you.
LEARN MORE
Where you go, we go: Our smart mobile app gives you the ability to check your account balance from anywhere. You can also view transaction details, submit a claim with the click of a picture, get access to prescription discounts, and find quality care near you.
LEARN MORE
Get paid quickly: No one likes medical bills, but we are here to help pay for them. Snap a picture of your documentation and submit a claim to get your money quickly. We process 99% of claims within two business days.
LEARN MORE
Health is wealth: Every member gets access to our Wellness Platform where you can access tools for all dimensions of wellness: physical, emotional, spiritual, occupational, social, and intellectual well-being.
LEARN MORE

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Custom Benefit Plans

Tailor benefit plans to fit your needs while lowering employer health spend by 18% on average.
Guaranteed Savings

Leverage 20 years of analytics to design plans that guarantee measurable savings.
Superior Service

Dedicated client success teams and exceptional member service representatives.
Fast Claims Processing

99% of claims processed within two business days.
High Retention & Loyalty

90% retention rate thanks to proven long-term savings and high client satisfaction.
Comprehensive Wellness Platform

Access tools for physical, emotional, and occupational wellness.

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$1.8 Billion

In total savings provided to our clients since our founding in 2001.

19.6% Savings

The average amount of savings our Employer Groups see in the first year.

2 Days

99% of claims submitted to The Difference Card are processed in two days or less.

41 Seconds

The average wait time when calling our Member Services phone line.

Testimonials

Better benefits at a better price

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Introducing The Difference Card

Welcome to The Difference Card!

This 2-minute video introduces our members to The Difference Card and explains how our health insurance solution works with your underlying medical plan.

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Frequently Asked Questions

How to Swipe Your Difference Card

Join Danny Difference in this quick 72-second video that will show you how easy it is to swipe your Difference Card at the doctor’s office, emergency room or pharmacy for things like copays and prescriptions.

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Frequently Asked Questions

How to Get Help with Your Medical Bills

In the brief 1-minute video, Danny Difference guides you through the process of getting reimbursed from The Difference Card for your medical bills.

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Frequently Asked Questions

Introducing The Difference Card

Welcome to The Difference Card!

This 2-minute video introduces our members to The Difference Card and explains how our health insurance solution works with your underlying medical plan.

WATCH MORE VIDEOS Request a proposal