Blog

Why The Difference Card Uses a MERP to Build Custom Plan Designs

September 22, 2021

Understanding the Advantages of a Medical Expense Reimbursement Plan (MERP) Have you been in the business of employee benefits for at least a couple of years?   Then you probably have some experience with the variety of tax-advantaged consumer benefit accounts permissible under IRS regulations.  Some employers allow their workers to direct payroll deductions into […]

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September Case Study: Pennsylvania Manufacturer Saves $50,995 on Renewal Using The Difference Card

September 15, 2021

Using our proprietary MERP (Medical Expense Reimbursement Plan) strategy, the Difference Card helped a Pennsylvania Manufacturer navigate a difficult September renewal. The client was receiving a 19.4% renewal increase from UPMC. This manufacturer’s Health Insurance Broker engaged The Difference Card to help with a solution to reduce this renewal WITHOUT changing the benefits to staff. […]

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What Is an HSA & How Does It Work?

September 1, 2021

More Americans are starting to use Health Savings Accounts (HSAs) to assist with their health care costs. As HSAs gain popularity, you’ll likely want to know if an HSA is right for you, especially if your employer offers an HSA in its benefits package with a Qualified High Deductible Health Plan (QHDHP). Fortunately, understanding HSAs […]

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The Difference Card announces new partnership with GoodCell: A blood-based health screening company

August 17, 2021

The Difference Card is now offering opportunities for members to use their tax-free Flexible Spending Accounts or Health Savings Accounts to purchase discounted preventative health services through GoodCell.   The Difference Card is partnering with GoodCell to help members take a proactive approach to their health and well-being. This partnership will enable members to obtain at […]

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Which Health Insurance Solution is Right for Your Client?

August 16, 2021

The Difference Card offers a wide range of products to fit any client’s needs. MEDICAL EXPENSE REIMBURSEMENT PLANS Low Fixed Cost – Greater Savings (Uninsured) Difference Card MERP | Percentage of Savings —  Lowest fixed cost MERP Solution. Difference Card’s fee will be a percentage of what the client saves. Skin in the game as […]

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August Case Study: New York Non-Profit Group Saves $467,500 on Renewal Using The Difference Card

August 11, 2021

Using our proprietary MERP (Medical Expense Reimbursement Plan) strategy, The Difference Card helped a New York non-profit navigate a difficult August renewal. The client was receiving a 7% renewal increase from Aetna. This non-profit’s Health Insurance Broker engaged The Difference Card to help with a solution to reduce this renewal WITHOUT changing the benefits to […]

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Top 10 Reasons to Exit a PEO

August 5, 2021

Is a Professional Employer Organization Model (PEO) still the right choice? The Difference Card works with many employers-  both within the Professional Employer Organization model and outside of the PEO model. However, there comes a time when some companies realize they have outgrown their PEO model. The efficiencies of outsourcing no longer outweigh the administrative […]

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Sunscreen Tips and Guidance from the FSA Store

July 16, 2021

What SPF Should I Use? The sun plays a very important role in our everyday lives. It helps keep our sleep pattern on track and helps our bodies produce Vitamin D, which is important for bone function and healthy skin. But like most things, it’s only good in moderation. And for those who love the […]

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