Nuestro equipo

Hola, me llamo Joe Donovan y soy el Director Ejecutivo de The Difference Card.

Acabé en el sector de los seguros porque, como mucha gente que acaba la universidad, necesitaba un trabajo. Por aquel entonces, UnitedHealthcare tenía un programa de formación llamado "escuela de grupo" y tuve la suerte de que me aceptaran. No sabía que una vez que empiezas en el sector de los seguros es muy difícil dejarlo.

Me atrajo The Difference Card por el carácter innovador de la empresa. Desde su creación, The Difference Card ha sido líder del sector en el diseño de estrategias creativas de financiación para conseguir ahorros para las empresas y sus empleados.

Lo que más me gusta de mi trabajo es la gente con la que trabajo. Tanto mis compañeros de equipo de la tarjeta diferencial como lo que considero los corredores con más visión de futuro dentro de la comunidad de corredores.

El logro que más me enorgullece es haber participado en la creación de nuestra Solución de Ahorro con Garantía de Diferencia. Desde que lanzamos este producto por primera vez en 2018, ha ayudado a organizaciones de todo el país a ahorrar cientos de millones de dólares. Me motiva la competición: me encanta ganar y creo firmemente que es importante crear una cultura ganadora.

Antes de ser una Difference Card Difference Maker nací en Filadelfia, Pensilvania, pero crecí en el condado de Westchester, Nueva York. Asistí a la Universidad de Syracuse y actualmente resido en Armonk, NY con mi familia.

Aquí tienes tres datos curiosos que quizá no conozcas sobre mí:

1. Tengo gemelos

2. Viajé a Irlanda para competir en un combate de boxeo como parte del equipo de boxeo de la policía de Nueva York contra la Garda.

3. Tengo una aversión irracional al atún.

Rosa García Rinder es la directora de operaciones y se incorporó a The Difference Card en 2020.

Rosa se unió a The Difference Card porque son una organización innovadora, diversa y que ayuda a los empleadores a ahorrar dinero en seguros, al tiempo que mantienen un alto nivel de beneficios para sus empleados. Los principales objetivos de Rosa en The Difference Card son ofrecer una experiencia increíble a nuestros clientes asociados, crecer para que nuestros equipos puedan compartirla y ser un gran lugar para trabajar.

Rosa comenzó su carrera en esta industria en Choice Strategies en 2005. Rosa se unió al equipo de Choice como representante de servicios a los miembros y empleada número 20; y en pocos años ascendió a Directora de Operaciones. Como Directora de Operaciones, Rosa era responsable de un equipo de más de 100 empleados y funciones que incluían, Servicios para Miembros, Reclamaciones, Servicios para Clientes y funciones de Implementación e Inscripción.

En 2012, Choice fue adquirida por WageWorks y Rosa permaneció durante otros dos años, trabajando para incorporar el equipo de Choice a la familia WageWorks. En 2015, Rosa se unió a Alegeus, donde desempeñó funciones como Directora de Arquitectura de Soluciones y Directora de Cuentas Estratégicas. En Alegeus, Rosa trabajó con docenas de administradores y algunos de los mayores transportistas en los Estados Unidos, ayudando a llevar al mercado su solución CDH.

Rosa is originally from Queens, and grew up between there (Go Sunnyside!) and Madrid, Spain. Rosa went to college in Vermont, graduating from the University of Vermont. She loved it so much, she stayed in the Green Mountain State for 20 years- hiking, skiing, swimming! Currently, Rosa resides in Arlington, Massachusetts where she is raising a wild and fierce daughter, Ava Luna (yes, adaptation of Eva Luna from the book!). Rosa loves to learn, loves to run, loves to travel, loves her nieces and nephews and spending as much time with family and friends.

Hola, me llamo Chris Calderone y soy el Director de Ingresos de la Tarjeta Diferencial. Me inicié en el negocio de los seguros de una forma un poco diferente a la de la mayoría de la gente. El jefe de mantenimiento del colegio en el que trabajaba era amigo de la familia de un director de ventas de Aetna. Ese contacto de Aetna estaba casado con mi maestra de tercer grado y habíamos ido a la misma universidad, así que teníamos algunas conexiones. Me inscribí en la Escuela del Grupo Aetna para aprender el negocio de los seguros. Me sentí atraído por The Difference Card porque, después de trabajar para Aetna y Anthem BCBS, vi de primera mano el exceso de margen en el lado de las aseguradoras.

The Difference Card estaba revolucionando el mercado medio al devolver la prima al empresario y ofrecer grandes beneficios a los empleados. Mi parte favorita de trabajar en The Difference Card es el compromiso con el espíritu empresarial. Nuestro equipo mejora constantemente los procesos para que la experiencia del cliente sea excepcional. El logro del que me siento más orgulloso es haber ayudado a uno de nuestros grandes clientes sin ánimo de lucro a ahorrar 5 millones de dólares en su póliza de seguro médico en su primer año con The Difference Card. Me motivan nuestros clientes. Me encanta conocer el negocio de nuestros clientes y ayudarles a resolver complejos problemas de seguros.

Antes de ser un Difference Card Difference Maker

Nací en Nueva York y actualmente resido en Mamoroneck, Nueva York, con mi esposa Erica, dos hijos, Stella y Cooper, y nuestro Dachshund de pelo duro, Rigatoni. Asistí a la Universidad de Notre Dame y fui el capitán del equipo de boxeo del club. Todos los años organizábamos un torneo de boxeo benéfico llamado Bengal Bouts, cuya recaudación se destinaba a una misión en Bangladesh. Mi primer trabajo fue de limpiadora en las escuelas públicas de Nueva York. Todavía soy capaz de sacar brillo a cualquier suelo. De mayor, mi película favorita era The Mighty Ducks y jugaba en un equipo de hockey callejero.

He aquí tres datos curiosos que quizá no conozcas sobre mí:
1. Mi equipo deportivo favorito es la Universidad de Notre Dame. ¡Vamos irlandeses luchadores!
2. Si pudiera viajar a cualquier parte del mundo, viajaría a Italia. Hay muchas partes estupendas de Italia, y la comida es increíble.
3. Fuera del trabajo, me encanta nadar y hacer paddle board. Me encanta estar cerca del agua.

Hi, my name is Olivia Allison and I’m an Operations Manager at The Difference Card. Some of the things I love most about working here is the supportive people-first culture, and the chance to lead and contribute to meaningful operational improvements. I’m most proud of the opportunity to mentor teammates and support their growth into new roles. Watching someone I’ve coached thrive and take on more responsibility is incrediblly fulfilling.

Antes de ser un Difference Card Difference Maker

I’m originally from New York City and now live in Delaware. Prior to The Difference Card, I worked in a variety of healthcare and customer-focused roles, where I developed a deep appreciation for service excellence and building strong relationships, which gave me a strong foundation in process improvement and team development. Outside of work, I’m a proud dog mom to a mini Goldendoodle named Ginger! Some things I am passionate about is mental wellness, leadership growth, and empowering others.

Aquí tienes tres datos curiosos que quizá no conozcas sobre mí: 

1. 1. I start every morning with a hot cup of tea, it’s my favorite daily ritual.
3. 2. I love writing affirmations and creating motivational content, it helps me and others stay grounded.
5. 3. If I could travel anywhere in the world, I’d visit Ghana. Exploring the culture, history, and vibrant landscapes is high on my bucket list.

Hi, my name is Adrien Darbouze and I have truly enjoyed my career in Employee Benefits. Meeting with employers across the Southland and sharing that they will be able to save 18% off their medical spend gives me a lot of satisfaction. Helping employers save all the while attracting and retaining employees in their industry is a daily motivator for me.  As part of an organization of innovative thinkers and problem solvers, it is rewarding to be the change employers are seeking.

As Market Director – West, I work with a team of sales representatives whose sole focus is to make an impact on employers. We collaborate with brokers & consultants to help build solutions to address the challenges of increasing healthcare costs.

I love to travel and often hear stories of how disappointed people are with their medical providers. I know there is many many challenges in the healthcare arena but working with The Difference Card, makes me feel like there will always be an approach in heatlhcare that no one else has thought of to help employers save costs and still deliver access to one of the best healthcare systems around.

Hola, me llamo Ashley Dube y soy Directora Senior de Mercados del Este en The Difference Card. Acabé trabajando en el sector de los seguros porque hice unas prácticas en Northwestern Mutual cuando estaba en la universidad. Al principio, me centré en la planificación financiera personal, pero luego recibí la oportunidad de trabajar en el Departamento de Beneficios para Empleados. El resto es historia.

Me sentí atraída por The Difference Card porque me encanta poder ofrecer un producto único de financiación de seguros de salud a las empresas que luchan por contener los costes o que buscan mejorar las prestaciones. Lo que más me gusta de trabajar en The Difference Card es trabajar con un equipo diverso y con mucho talento. Mi mayor logro es el crecimiento del mercado de Nueva Inglaterra en los últimos siete años. Me motiva la competencia. Soy una persona extremadamente competitiva. Siempre me esfuerzo por ser el primero en cualquier aspecto de mi vida.

Antes de ser un Difference Card Difference Maker

Nací en Providence, RI y actualmente resido en Cumberland, RI con mi marido, Steve, y nuestros dos hijos- Brady, que tiene 6 años y ama los deportes y Brooklyn, que tiene 4 años y ama los unicornios y las princesas. Me gradué en la Universidad de Rhode Island con una especialización en Administración de Empresas y Marketing. Me encantó vivir fuera del campus ("down the line") en una hermosa casa de playa con vista al mar. Fue entonces cuando me enamoré de la bonita ciudad playera de Narragansett, RI. Cuando crecí, mi primer trabajo fue como corredor de comida en un restaurante local cuando tenía 15 años.

He aquí tres datos curiosos que quizá no conozcas sobre mí:
1. Mi idea de un día perfecto es hacer ejercicio por la mañana, ir a la playa en un día de 80 grados, seguido de la hora feliz con una bebida fría en la mano.
2. Mi talento más inútil es que puedo memorizar fácilmente las matrículas.
3. Si pudiera cenar con cualquier persona, viva o muerta, tendría que ser Kenny Chesney.

Hi my name is Jourdan Englert  and I’m  Manager of Client Success for the West Markets. My favorite parts of the job are getting the chance to coach my team and help them become the best professionals that they can be, while connecting with our clients and working through creative strategies to help keep client costs down while maintaining incredibly rich benefits. My proudest accomplishment at The Difference Card is building the team that I currently get to lead every day. The drive, attention to detail, and passion for our clients and their success is contagious amongst my account executives, making coming to work a very easy thing to do.

Antes de ser un Difference Card Difference Maker

I was born, raised, and still reside in Pittsburgh, PA with my wife Loren and our three children, Jameson, Macallan, and Emerson, along with our two dogs, Stella and Sadie. I began my professional journey as an educator, teaching 8th grade American History and earning my M.Ed in Education Leadership. After five years in the classroom, I felt the need to take my experience and transition into a career where I could take more control of my professional path. This led me to UPMC Health Plan as a Sales Support Specialist, where I learned the ins and outs of the health insurance industry, learning a lot from my Sales Executives along the way.

After a quick 18-month stint with UPMC, I was recruited by a representative from White Plains, NY to discuss an opportunity with The Difference Card as a Renewal Consultant. After meeting with Rachel Wilburn and Josh Pyzik, I was very interested in the role. When I shared this opportunity with my wife Loren, it came up in conversation between her and my father-in-law about me looking into a new job with “the difference something.” He quickly asked, “The Difference Card?” and continued, “Our company has The Difference Card and we love it!” Needless to say, he has made some good decisions in his life, (allowing me to be his son-in-law, of course), and I decided to jump onboard as well!

Three fun facts about me:

1. 1. I love teaching my kids new things like different sports, reading, spelling, math, and anything outdoors.
3. 2. I am an avid Pittsburgh Penguins and Steelers fan. I love the Pirates too, but they break my heart too much.
5. 3. Yes, all three of our children have names that are also brands of whiskey.

Hi, my name is Maria Gamb, and I’m the Sales Enablement Manager at the Difference Card. I was drawn here because this company isn’t just talking about making healthcare more affordable—it’s actually doing it. That mission speaks to both my head and my heart.

What sealed the deal? The people. From day one, I’ve been surrounded by collaborative, sharp, and genuinely passionate teammates who bring both humor and hustle to the table.

One of my proudest accomplishments so far has been reimagining our onboarding experience and launching the first Difference Card Sales Bootcamp—an immersive, practical learning journey now built into every new sales hire’s experience. I’m motivated by the opportunity to remove friction, streamline tools, and create systems that help our team win faster and more confidently.

Before I Was a Difference Card Difference Maker

I’m a native New Yorker, now living in the mid-Atlantic with my husband, a cancer survivor whose journey deeply shaped my path into healthcare. That experience showed me how life-changing access to great care can be—and why the work we do here matters.

Before joining the Difference Card, I ran my own learning and development company, partnering with clients across industries—especially insurance. I’ve always loved building systems that make people’s lives easier and careers stronger.

I’ve completed a Certificate in Learning Design from NYU’s School of Professional Studies, further deepening my focus on practical, high-impact learning experiences. Whether I’m designing a training, coaching a new hire, or mapping out a smarter process, I lead with heart, clarity, and a deep respect for the people doing the work.

Here are a few fun facts you might not know about me:

1. 1. I started a Supper Club in Richmond to bring curious, creative people together over unforgettable meals. It’s part dinner party, part community experiment—and proof that strangers become friends faster when there’s good food and wine involved.
3. 2. I’ve filled three passport extensions, extensively traveled the world, lived in the UK, spent five years working in Melbourne, Australia and never say no to an adventure.
5. 3. Live music is my happy place. If there’s a band playing, I’m front and center—dancing like a lunatic and completely in my element.

Adam Gehris is an accomplished Client Success and Account Management leader based in Tampa, Florida, with over a decade of experience in the CDH and COBRA industry. Throughout his career, Adam has built a strong reputation for leading high-performing account management teams and delivering exceptional service to employers and broker partners.

Adam is passionate about building and maintaining trusted relationships, believing that long-term success is rooted in collaboration, transparency, and proactive communication. His leadership style emphasizes team development, operational excellence, and a client-first mindset, ensuring both internal teams and external partners achieve their goals.

With deep industry expertise and a relationship-driven approach, Adam consistently helps navigate complex benefits administration challenges while fostering strong, lasting partnerships with clients and brokers.

Hi, I’m Matt Hegarty, and I’m excited to join The Difference Card as the new Vice President of Underwriting. As healthcare costs continue to rise, employers are looking for smarter, more creative ways to protect their employees without blowing up their budgets. I was drawn to The Difference Card not only for its innovative approach to solving this challenge, but also for the exciting momentum across the organization—new ideas, expanded capabilities, and a continued focus on using technology to better serve small- to mid-sized employers. It’s an energizing time to be here, and I’m thrilled to be part of what’s ahead.

Antes de ser un Difference Card Difference Maker

I grew up in the Pocono Mountains of Pennsylvania and now live in Blue Bell, just outside of Philadelphia, with my wife, our three energetic children (ages 6, 5, and 2!), and two huskies—so life is always busy and never boring. I earned my degree in Actuarial Science and Statistics from West Chester University of Pennsylvania and have spent my career across a wide range of roles in the healthcare industry. My experience includes international underwriting for the Blues, serving as a Behavioral Health Actuary at Aetna, and most recently helping drive the growth and success of the stop-loss startup Granular.

Aquí tienes tres datos curiosos que quizá no conozcas sobre mí:

• I love the outdoors and enjoy fishing, hunting, snowboarding, and hiking.
• I’m a Pennsylvania native but a huge Raiders fan—#RaiderNation.
• I own rental properties and genuinely enjoy working with my hands, from routine repairs to full renovations.

Hi, my name is Renee Hoppes, and I am the Operations Manager for the Member Services Contact Center at The Difference Card. I joined The Difference Card because I’m passionate about helping our members receive the best in healthcare, and I wanted to be part of a team that’s actively working to address the challenge of rising healthcare costs.

My favorite part about working here is the people. You won’t find a more dedicated, hardworking, and caring group of individuals who come together every day to solve problems. This team is deeply committed to creating a world-class experience for our members.

One of my proudest accomplishments is helping to create future leaders. Supporting their growth and watching them reach their full potential is incredibly rewarding. I’m constantly inspired by this team and the innovative solutions we’re building to make healthcare more affordable.
I was born and raised in Shepherdsville, Kentucky. A small town where my grandmother owned the first grocery store. Today, I live in Louisville, KY, with my husband. We have 6 children and 8 wonderful grandchildren, all of whom my husband and I, lovingly known as Mammie and Pop Pop, spoil rotten.

We also have 3 fur babies: Jaxson (a Pitt), Salem (a Shepherd), and Tiger (our cat). Family means everything to me, and their support is what allows me to do what I love every day. I grew up with one brother and one sister. I’m the baby of the family, but today, they jokingly call me the “family matriarch”.

Oh, and one more thing: I’m a true Kentuckian – Go Wildcats!

Here are three fun facts you might not know about me:
​1.I love to explore, see new places, and learn about their history.

​2.I’m a direct descendant of both the Hatfields and the McCoys. (Yes, on both sides)

​3.I’ve known how to drive a motorcycle since I was very young.

Hi, my name is Joshua Horn, and I’m the Director of Data & Integration at The Difference Card. I graduated from the University of Pittsburgh with a degree in Business Information Systems and, like many people, never expected to end up in the insurance industry. I was looking for a role that would be both fulfilling and challenging, while still allowing me to apply my technical background – which ultimately led me to The Difference Card.

Over my five years with the company, I’ve advanced from Data Analyst II to my current role by applying a forward‑thinking mindset and a willingness to push boundaries. The Difference Card is filled with people who challenge the status quo while keeping our clients at the center of everything we build and improve. My proudest accomplishment has been building the team I work with today. The people here are what make The Difference Card successful and a truly great place to work and none of what we do would be possible without them. Outside of work, I enjoy anything that gets me outdoors and into nature.

Three things you might not know about me:

• I’ve climbed six 14,000‑foot mountains in Colorado
• I have an adopted German Shepherd, easily the best decision I’ve ever made
• I’ve visited 13 National Parks — with a goal to see them all

Hi, my name is Terry L. Robinson, and I am the Senior Manager of Client Success for the East Region at The Difference Card.

I came to the insurance industry through an unexpected path. Early in my career I was a STEM teacher with the New York City Department of Education. When program funding was eliminated, an opportunity at The Difference Card was shared with me and I decided to take a chance on something new. That decision introduced me to an industry where innovative thinking can meaningfully change how employers and employees experience healthcare benefits.

I was drawn to The Difference Card because the organization challenges the traditional way health benefits are delivered. The ability to disrupt the status quo while helping employers manage rising healthcare costs and still provide strong benefits for their employees is incredibly motivating work.

My favorite part about working at The Difference Card is the people I get to collaborate with and the opportunity to build high-performing teams. I enjoy guiding strategic decisions with brokers and clients, leading change management initiatives, and helping develop future people-leaders within our organization.

One of the accomplishments I am most proud of personally was celebrating ten years of marriage with my wife Andrea in 2025. Her partnership and support have been foundational to everything I do professionally and personally.

Antes de ser un Difference Card Difference Maker

I was born on an Air Force base in Hampton, Virginia and currently live in Dallas, Texas with my wife and our three children. I attended the City College of New York. One of the most difficult but formative roles early in my benefits career was working in a call center as a Member Services representative. That experience gave me a deep appreciation for the importance of service, empathy, and solving problems for people in moments when they truly need support.

Aquí tienes tres datos curiosos que quizá no conozcas sobre mí:

1. 1. Two of my daughters are “Irish twins.”
2. 2. I believe Michael Jordan is the most impactful basketball player of all time, but LeBron James is the greatest statistical player the game has ever seen.
3. 3. Outside of work, I enjoy spending time with my family outdoors—camping, hiking, swimming—and I’m currently learning the game of golf (which has proven to be much harder than it looks).

I am Sean Sharkey, a Director of Underwriting at the Difference Card. I joined The Difference Card because it is a unique opportunity as an underwriting leader to help our clients achieve significant savings on their ever-rising healthcare costs. Previously a carrier underwriter, I have a unique perspective on the significant premium rate increases organizations must manage on an annual basis. Underwriting our unique MERP product allows my team to be part of the solution instead of part of the problem. I’m proud to be a leader of such a dedicated and hardworking team that believes strongly in the value proposition provided by The Difference Card!

Antes de ser un Difference Card Difference Maker

I was born in Dayton, Ohio and after graduating from Miami University, I began my career in underwriting at Anthem at their Ohio headquarters. There I renewed 51+ enrolled large groups and learned important underwriting practices I still carry through my career today. I moved to Indianapolis to work on maintaining a small book of business with a regional TPA and then eventually moved to IU Health Plans where I would essentially work for a start-up health insurance plan for the next decade.

I’m a proud Uncle to 2 nieces and 4 nephews. I love live music and comedy, great film and TV, video games, and sports of all sorts. I’m always actively learning about the latest technology in games, TV’s, speakers, phones and more!

Aquí tienes tres datos curiosos que quizá no conozcas sobre mí:

1. I threw out the first pitch at a Cincinnati Reds game
2. I have been to over 300 live concerts
3. My favorite place is Hilton Head Island where I visit at least once a year

Hi, I’m Loretta Silecchia, Senior Director of Operations at The Difference Card. I joined the organization in 2010, drawn by the incredible company culture and the opportunity to work alongside a team of smart, passionate, and inspiring individuals. As someone who’s a helper at heart, our mission of service deeply resonates with me—healthcare can be confusing and overwhelming, and I see my own family in the customers we support. I take pride in helping create a seamless experience that makes accessing care easier for our members.

Antes de ser un Difference Card Difference Maker

I’m a native New Yorker from Long Island, where I grew up enjoying summers on the beach, building snowmen in the winter, and jumping into leaf piles in the fall. Influenced by both Italian and Irish heritage, I’ve been fortunate to grow up in a large, close-knit family that values tradition, music, and creating lasting memories. Early in my career, I worked in medical and dental office administration, which gave me valuable hands-on business experience while I pursued my college education. Today, I live in New Fairfield, Connecticut with my husband and our two young children. We cherish our time together—whether it’s cozy movie and game nights at home or sunny adventures at the beach or lake. My family is the core of what drives and inspires me each day.

Aquí tienes tres datos curiosos que quizá no conozcas sobre mí:

1.  I love reading thriller novels—especially those by my favorite author, Shari Lapena. There’s nothing like that edge-of-your-seat, jaw-dropping, “whodunit” suspense that keeps you turning pages late into the night.

2.  When it comes to vacations, our family loves cruising! From calypso music and delicious dining to exciting entertainment and a few rounds of Bingo at sea, it’s our favorite way to relax and have fun together.

3.   One of my favorite things to make is homemade meatballs and gravy (yes, sauce!)—a beloved family tradition passed down from my mother, aunts, and grandmother.

Scott has 30+ years’ experience representing top-tier insurance companies and their complete portfolios of employee benefit programs – Medical, Dental, Vision, Life/AD&D, STD, LTD, Business Travel, and Voluntary and Worksite Benefits; including extensive experience in alternative medical funding through a Medical Expense Reimbursement Program.

Andrew Boyle is a Sales Consultant at The Difference Card. He has worked with The Difference Card for three years as an Account Executive and Sales Consultant. Andrew covers the Midwest Market, focusing mainly on Michigan, Indiana, and Iowa. Andrew previously worked for an insurance carrier but always felt a deeper calling to offer better solutions for employers and their employees. He enjoys working at Difference Card because it gives him that exact platform to deliver better benefits at a better price.

Lee has been in the insurance industry for 30+ years selling Group Medical/Ancillary products and services throughout that timeframe.  He is based in Chicago, IL and works closely with his broker-partners wherever they have business throughout the country, selling business from the Northeast to the Southeast to the West and all throughout the Midwest geographic areas.   Lee likes providing a better financial solution that benefits employers and their employees, including making suggestions that can help the employer attract and retain their employees with creative/enhanced plan designs.

With over 13 years of experience in the employee benefits space, Amy supports Brokers throughout the Central, South & West Texas regions. She’s committed to being a reliable, knowledgeable resource for brokers who are looking to drive results and provide long-term value for their clients. Amy enjoys helping employers provide better benefits at a better price. Amy finds joy in working at The Difference Card because it provides continuous opportunities to help employers save money on their healthcare spend while providing better benefits for the members.

Emily is a Senior Consultant at The Difference Card, serving the Northeast Market. She began her career with The Difference Card in 2014 as an Account Manager and later transitioned into sales—initially focusing on client retention, and since 2019, driving new business growth.

Originally from Long Island, she now reside in Fairfield County, Connecticut with her husband, Colin – a former Difference Card sales team member, and their beloved Labrador Retriever, Penny.

Oldemar has 30+ years’ experience representing fortune 300 insurance carriers and their complete portfolios of employee benefits programs, working with consultants & brokers.  Extensive experience in medical, alternate funding programs and ancillary products.

Mia Dues brings three years of experience in the insurance industry to her role at The Difference Card, where she supports the Florida market. She is driven by a passion for helping clients make informed, meaningful benefits decisions. Originally from Dayton, Ohio, Mia now resides in St. Petersburg, Florida, where she continues to build trusted relationships and deliver value to her clients.

Chris joined the Difference Card in March 2024, and is a Senior Sales Consultant serving the Southern California and Southwest territories. Over his 15+ year career in the insurance and healthcare space, Chris’s robust prior experiences include working for a broker, multiple carriers, and a benefit administration technology company. As a Difference Card Difference Maker, he is passionate about helping his broker partners deliver optimal benefit solutions and savings to their mutual clients.

Laura Gelnett is a Senior Sales Consultant at The Difference Card focusing on new business sales in the New England and upstate NY markets. Laura started her insurance career with Humana Insurance working on ancillary benefits in the Boston market. She moved to United Healthcare as a Field Account Manager for their Key Accounts in RI and MA. She joined the Difference Card, in July of 2018 as a renewal consultant and moved into sales in July of 2023.

Alexander Gredysa leads business development and broker partnership expansion at The Difference Card across the Mountain Midwest Region. He is driven by solving complex problems, building lasting partnerships, and contributing to a mission-driven organization that’s changing the way employers think about healthcare. He also thrives on collaborating with forward-thinking brokers and consultants to implement smart, cost-containment strategies through MERPs.

Richard is a Senior Consultant serving the New York market at The Difference Card. He began his career with the organization in 2017 following his graduation from Monmouth University. His initial role was as a Renewal Consultant, where he was responsible for client retention by supporting plan design and structure during the renewal process. In 2022, he transitioned into a sales-focused role, where he now concentrates on expanding The Difference Card’s client base throughout the New York area.

With over a decade of experience in the insurance industry, Ed has a proven track record of developing innovative solutions to meet client needs. Passionate about problem-solving, he excels in navigating complex challenges and delivering results. Ed’s commitment to building strong relationships and delivering positive outcomes has been a defining feature of his career in the New York City Metropolitan Area.

Harrison Lambert is a Senior Sales Consultant at The Difference Card, where he has spent the past five months helping employers unlock savings through innovative benefit strategies. He oversees the Midwest market, with a primary focus on Kansas and Missouri. With a career rooted in the employee benefits industry, Harrison has always been passionate about alternative solutions that deliver greater value. What he enjoys most about his role at The Difference Card is the opportunity to help clients provide better benefits at a lower cost.

Steve Marquis is a Senior Sales Consultant at The Difference Card, helping group insurance brokers and their clients unlock savings through innovative benefit strategies. He oversees the North Carolina and South Carolina market. With his background in the employee benefits industry, Steve has always been passionate about unique and creative solutions that deliver greater value. What he enjoys most about his role at The Difference Card is the opportunity to help his brokers grow their business and retain quality clients.

John is a Senior Consultant at The Difference Card, serving Massachusetts. John has worked in the Health Insurance space for 25+ years. He will leverage his carrier experience with BCBSMA to help provide creative solutions for both Employers and Employees.

With over 18 years of Difference Card experience, Stephanie McNellis is a trusted expert in The Difference Card and its role in solving today’s most challenging health insurance renewals. Her extensive knowledge spans plan design, underwriting strategy, implementation, and client education, allowing her to confidently position the Difference Card as a long‑term solution. Stephanie partners closely with brokers and employers to ensure strategies are both financially sound and sustainable.

With 15+ years of experience in sales Tara focuses on aligning producers and employers around innovative funding strategies that reduce healthcare costs while preserving comprehensive, accessible benefits for employees.  Passionate about meaningful relationships and practical solutions, Tara helps organizations achieve sustainable savings without sacrificing the quality of their benefits programs.

Cassidy Lutosky Meyer is a dedicated sales consultant specializing in and passionate about delivering improved health insurance benefit plans while reducing costs. With a strong background in sales, nonprofits and fundraising, she has passion for helping organizations optimize their benefits offerings for employees while providing savings. As a Sales Consultant, Cassidy collaborates with brokers to understand their clients unique needs and provides tailored solutions that enhance employee satisfaction and drive cost savings. Her expertise lies in presenting innovative strategies that align with organizational goals.

Alexander Polyezos  is a seasoned benefits professional based in Florida, currently serving as a Consultant. With nearly two years at the company, Alexander leverages his industry expertise to help clients design innovative, cost-effective healthcare benefit solutions. His strategic insights and client-first mindset make him a valuable asset to organizations navigating today’s complex insurance landscape.

Jennifer Revell is a Senior Sales Consultant III is at The Difference Card. Jennifer has worked with The Difference Card for over seven years, working in the Midwest Market covering Indiana, Ohio, Kentucky and Tennessee. Jennifer has worked for several insurance carriers over the course of her career and prides herself in the trust her insurance consultants put in her. Jennifer enjoys working at The Difference Card because it gives her the opportunity to not only help employers provide benefits at a better price, but allows members save money on their health insurance.

Rachel Wilburn is a Senior Consultant III and is the Difference Card top salesperson for 2024!  She has worked in the insurance industry for 27 years, bringing deep expertise and a client-focused approach to every engagement.  She helps clients and her broker partners to navigate complex benefits solutions. Based in Pittsburgh, Pennsylvania, Rachel supports clients across Pennsylvania, Ohio, and West Virginia. Her extensive knowledge and regional insight make her a trusted advisor in lowering the cost of healthcare for employers.

With 15+ years in the health insurance industry, D’Mohnte’ specializes in crafting cost effective health plans. His focus is on integrating meaningful cost containment strategies and stop-loss protection to help businesses save while ensuring employees gain access to better, more affordable health benefits. He is passionate about building meaningful relationships with those who are on a mission to improve the healthcare industry.

Zac has been in the Insurance industry since 2013 working with multiple carriers and technology companies. He brings a vast knowledge base of value-based solutions and selling strategies. Zac currently resides in Delaware and has always serviced the Greater Philadelphia Area.

Mark Wylie is a Senior Sales Consultant, where he has been reinventing health insurance in the Texas region for the past three years. With a strong focus on delivering cost-effective benefit plans, Mark helps organizations optimize their healthcare offerings while improving employee satisfaction. His consultative approach and deep understanding of the insurance landscape make him a trusted partner for businesses seeking smarter healthcare solutions.

Hola, me llamo Taylor Britt y soy el Director Senior de Medios de Marketing y Ventas de The Difference Card. Me sentí atraída por The Difference Card porque me encantó la idea de unirme a un equipo que está trabajando para resolver el problema del aumento del coste de la asistencia sanitaria. Lo que más me gusta de trabajar en The Difference Card es la gente: creo que algunas de las personas más divertidas, trabajadoras, creativas y dedicadas trabajan en The Difference Card. El logro del que me siento más orgullosa es el de haber creado un departamento de marketing exitoso y en crecimiento. Me motiva cada día el buen trabajo que hacemos.

Antes de ser un Difference Card Difference Maker

Nací en Chattanooga, TN y actualmente resido en Nashville, TN con mi marido, 2 niños pequeños y nuestra perra Nola, una labradora de 13 años. Asistí a la Middle Tennessee State University (MTSU) y me gradué en Relaciones Públicas y Marketing. Mi primer trabajo fue en Cracker Barrel, donde trabajé como camarera para pagarme la universidad. Todavía puedo recitar los especiales del día. Tengo muchos recuerdos de mi infancia, pero mi favorito es montar en bicicleta en casa de mi abuela. Cuando era pequeña, bajábamos en triciclos de "rueda grande" por una colina de hierba gigante en el patio trasero a velocidades vertiginosas.

He aquí tres datos curiosos que quizá no conozcas sobre mí:
1. Mi idea de un día perfecto es pasar todo el día en la playa, desde el amanecer hasta la puesta de sol. Quiero nadar en el océano, leer un libro, echar una siesta y ver la puesta de sol sin salir nunca de la playa.
2. Como nativo de Nashville, los Tennessee Titans son obviamente mi equipo deportivo favorito. ¡#titanup!
3. Si pudiera viajar a cualquier parte del mundo, me gustaría visitar las islas griegas. Santorini está en mi lista de deseos.

Sam has over 6 years experience in the educational child care industry, specializing in translating the voice of a brand into meaningful, purpose-driven messaging that expresses a company’s “why.” She is passionate about personal and professional growth, and is committed to helping individuals and teams reach their full potential.

As a Marketing Specialist at The Difference Card, Sofia supports the development and execution of campaigns that drive engagement and growth. She focuses on content creation, digital marketing, and branding initiatives that showcases value to clients and partners.