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 on helping professional service firms (law, architectural, medical/dental) take strategic approaches to healthcare cost containment, […]

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 people’s lives. This year, we are honored to donate to two outstanding organizations Interface Children […]

A corporate construction services company with three locations across California recently faced a difficult renewal: a 10% health insurance rate increase from long-time carrier Kaiser Permanente. With more than 300 employees enrolled on their plan, the renewal would have pushed their annual healthcare spend above $4 million – unless they acted decisively. The Challenge: Rising […]

A health reimbursement arrangement (HRA) helps employers provide employees with healthcare benefits without compromising their bottom line. While there are different HRA types, an individual coverage HRA (ICHRA) and a qualified small employer HRA (QSEHRA) are good additions or alternatives to a traditional group health plan, and can help control a company’s healthcare costs. Both benefits offer […]