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Stop-Loss Insurance for Brokers: Specific vs. Aggregate, Lasers, and Corridors
Employers have a responsibility to find the most valuable health benefits for their employees. However, it is easy to overlook the considerable impact that medical expenses have on businesses. Confidently explaining why stop-loss insurance is a viable option to help…
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The Difference Card Welcomes New Leaders for Technology and Risk Management
Greenwich, CT – The Difference Card, a leading provider of cost-effective health insurance solutions, announced today that two new leaders, Richard Perrin and Matthew Hegarty, will be joining the team to manage the Technology and Underwriting Departments. Richard Perrin has been named Chief Technology Officer at The Difference Card, bringing more than 15 years of experience leading…
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New York Nonprofit Reduces Health Insurance Costs by $130,000 Guaranteed with The Difference Card PLUM Solution
A nonprofit social services organization located in Upper Manhattan was facing a significant financial challenge after receiving a 16% health insurance renewal increase from its incumbent carrier. With 125 employees enrolled, the increase would have driven the organization’s annual healthcare…
Read MoreJoseph Donovan shares an open message about The Difference Card’s milestone of 25 years in business. To our Team, Clients, Members and Broker Partners: Twenty-five years ago, The Difference Card began with a simple idea and a deep sense…
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Difference Card Celebrates 25th Anniversary with $2 Billion in Savings!
Difference Card clients have saved $2.1 billion in healthcare expenses since its founding in 2001. Greenwich, CT – The Difference Card, a leading provider of cost-effective health insurance solutions, proudly commemorates its 25th anniversary this year. Since its founding in 2001, The Difference Card has helped clients achieve an average net savings of 18.2% a year, resulting in $2.13…
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Self-Insured vs. Fully Insured Health Plans for Employers
Employee health insurance plans that balance comprehensive benefits with affordable premiums have become increasingly hard to find, often forcing employers to make tricky compromises. While self-insured plans offer flexibility, fully insured plans shift risk to the provider — but often…
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HMO vs. PPO vs. EPO: Which Health Insurance Plan Is Right for You?
If you’re looking for your next health insurance plan, you already know that there are countless options to choose from, ranging from providers to networks to coverage types. As if navigating the health insurance market wasn’t already challenging enough, companies…
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The Broker’s Playbook: A Modern Guide to Self-Funding, Stop-Loss, and MERP
With fully insured healthcare plans becoming increasingly complex and expensive, many organizations are seeking alternatives that provide excellent employee coverage without incurring unnecessary expenses. Self-funding can be a solution to common problems. However, there’s a lot that brokers need to…
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Broker of the Month: Celebrating Paul V. Shaheen, RHU, REBC – Horton Group Division of Marsh McLennan Agency (MMA)
This month, the Difference Card team is proud to recognize Paul V. Shaheen, RHU, REBC, a seasoned employee benefits consultant with Marsh McLennan Agency (MMA), as our Broker of the Month. For nearly 35 years, Paul has been laser focused…
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Happy Holidays from The Difference Card Team!
As we wrap up another incredible year, we reflect on the values that guide us – gratitude, generosity, and community. This season, we’re proud to continue our tradition of giving back by supporting organizations that make a real difference in…
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