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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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California Construction Company Improves Health Benefits and Lowers Insurance Expenses by $215,000 – Guaranteed
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…
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ICHRA vs. QSEHRA: What’s the Difference?
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…
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Broker of the Month: Celebrating Mike Carraway of Acentria, a Foundation Risk Partner
The Difference Card is proud to recognize Mike Carraway of Acentria, a Foundation Risk Partner, as our Broker of the Month for his outstanding leadership, client advocacy, and dedication to driving innovative healthcare cost-saving strategies. Mike’s ability to bring creative…
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Ahorro de la tarjeta Discover Difference Doorbuster
On average, savings for Cyber Monday are about 30%. Here at The Difference Card, we believe in saving our clients money on their health insurance spend, but can we beat 30% savings? We decided to take a deep dive into…
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