Can I have an FSA and HSA? Exploring compatible tax-free account options

Whether you’re single, married, or have a growing family, healthcare may be a large chunk of your budget every year, and it can be particularly costly with a high-deductible health insurance plan. Fortunately, there are a couple of tax-friendly accounts, Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) that can make medical expenses more […]

Why You Should Leverage a MERP for Your Clients

September 22, 2021

A medical expense reimbursement plan (MERP) can help employers reduce healthcare costs without sacrificing the level of care employees receive. Employers can also adjust the plans annually and maximize the budget as needed. However, a MERP comes with a set of rules. Noncompliance may affect the plan’s tax-advantaged status. Effectively communicating with employers and working […]

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

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. […]

Traditional Dental Insurance is like Driving a Broken Car: Dental Difference is the Solution.

Question: Would you keep driving your car if you lost 40% of the gas each time you filled up your tank? Answer: Of course you wouldn’t! You’d fix the problem or get a new car! Typical Dental Insurance is Broken Dental Insurance is just like this hypothetical vehicle you’re driving in the above scenario. US […]

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

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. Read More Case Studies This non-profit’s Health Insurance Broker engaged The Difference Card to help with a solution to reduce this renewal WITHOUT […]

Top 10 Reasons to Exit a PEO

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 […]