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Understanding the Relationship Between Economics and Insurance
Economics has more impact on insurance and the healthcare system than you’d expect. Everything from policy premiums to market adjustments stems from the economic conditions. Whether we’re in a recession or working with a new government administration, economics shift and…
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Overcoming Broker Challenges
Being an insurance broker can be both rewarding and challenging. Market changes, regulations, technology and client expectations create obstacles for brokers to overcome. However, brokerage services ensure people and companies find the right insurance. With how complex insurance terms and…
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Love at First Savings: 6 Sweet Case Studies
Here at The Difference Card, we pride ourselves on delivering sweet benefits at an even sweeter cost. Discover how sweet benefits were for these clients in our Valentine’s Day Case Study Roundup. Request a Proposal New York University Saves Over…
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Spotlight of the Month: Celebrating Difference Card Broker Partner, Kirk Johnson, CEBS
At Difference Card, we take great pride in partnering with brokers who share our passion for delivering innovative solutions to help clients achieve their employee benefits goals. This month, we’re excited to spotlight our Broker of the Month, Kirk Johnson,…
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New York University Reduces Health Insurance Costs by Over $4 Million While Enhancing Employee Benefits
A prominent New York university faced a significant challenge when its insurance carrier, Anthem Blue Cross Blue Shield (BCBS), proposed a 19% premium increase for January 2025. This would have pushed the university’s healthcare spending to over $14.6 million—exceeding its…
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7 Client-Specific Strategies for Brokers
Today’s healthcare insurance space offers opportunities for producers that stand out from the crowd. However, differentiating yourself in this competitive landscape requires crafting client-centric insurance models with a personalized customer experience. Employers want bespoke solutions to suit their needs and…
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The Benefits of Offsetting Deductibles
When an employee makes a claim on their healthcare plan for a qualified expense, they typically have out-of-pocket costs to cover. These costs could be a copayment, coinsurance or deductible. In some cases, this amount can be substantial and difficult…
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My Employer Doesn’t Offer HSA: Can I Still Have One?
Many employers offer a health savings account (HSA) as part of their benefits package, but what if yours does not? It can leave you without a valuable tool for managing healthcare costs and saving on taxes. So, can you have…
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Reflecting on a Year of Insights: The Cup of Joe Blog Series Recap
As we step into a new year, it’s the perfect time to reflect on the journey we’ve shared through our monthly Cup of Joe blog series. Over the past year, we’ve tackled key topics in healthcare, employee benefits, and industry…
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Maximizing Savings on Health Insurance: A Guide to Flexible Benefits
Organizations have realized the competitive advantage of hiring diverse teams to optimize growth. As such, they must find ways to manage the different needs of their workforce. Allowing workers to tailor their healthcare with flexible benefits is one effective approach. Our guide…
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