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, Principal at Marsh & McLennan Agency (MMA) in Dallas, Texas. With a career spanning over […]
Leer másJanuary Case Study: The Difference Card Helps a New York University Reduce 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 health insurance budget by $2 million. Seeking a solution, the university hired a new consultant […]
Leer más7 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 priorities, and their expected standards for customer service are rising. To attract and retain high-value […]
Leer másThe 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 to afford. The good news is that there are ways to reduce these costs, helping […]
Leer másMy 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 an independent HSA? The answer is yes, as long as you meet the eligibility requirements. […]
Leer másReflecting 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 trends, delivering actionable insights to help you navigate the ever-changing benefits landscape. Join us as […]
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