For Employers

We help employers save money on health insurance.

The Difference Card offers a unique employer healthcare MERP solution that allows you to maintain a rich level of benefits for your employees, without increasing employee contributions or reducing their benefit package.

On average, we help employers to reduce their health insurance spend by 18%. These savings are often reinvested into the employee benefits plan and used to lower employee out-of-pocket costs.

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We deliver outstanding health benefit account administration for our clients:

  •  The Difference Guarantee: We can guarantee your healthcare spend will be below a dollar amount. If your healthcare spend exceeds our guarantee, you will get a check back for claims above that threshold.
  • One-Stop Shop: The Difference Card simplifies employer sponsored benefits administration. We offer Health Savings Accounts, Health Reimbursement Arrangements,  Flexible Spending Accounts, Dependent Care Accounts, Commuter Accounts all on one card.
  • Compliance Services: We help employers with their consumer-directed health plans by providing compliance services included with our benefits administration. You can read more about our custom benefits solutions here
  • Dedicated Client Support Team: An Account Manager is assigned to every employer. We offer enrollment automation, enrollment education meetings and member communications to maximize the value of the benefits you provide –  simplifying  Human Resource’s workload.
  • In-House Expertise: We understand the needs of employers are varied. Our Account Manager’s knowledge extends to non-profits, publicly traded employers, public sector, and employers that have collective bargaining agreements – just to name a few.
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We pair savings with superior service.

The Difference Card values strong client relationships and partnerships. All our clients, no matter the company size, are assigned an Account Manager and a Consultant at the beginning of their implementation and they remain with you throughout your tenure with The Difference Card.

See our service stats in our 2023 Difference Card Wrapped flyer!

Download 2023 Wrapped



We Support Our Clients From Day One

During the onboarding of a new client, your Account Manager will:

  • Manage the project, ensuring that you have the right support during open enrollment and that your implementation with The Difference Card is seamless.
  • Provide Human Resources with communication and education materials to help employers maximize healthcare and consumer directed benefits.
  • Help you conduct open enrollment education sessions. The Difference Card Account Management Team is skilled in presenting all benefit information in a digestible and engaging format, whether through Zoom sessions or in-person meetings.

Our goal is a best-in-class experience for our clients. 

Your assigned Account Manager is held accountable to YOUR experience. Our Customer Loyalty Score for 2023 is in the Excellent category with a Net Promoter Score of 65.

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See The Difference

Are you tired of seeing double digit increases year after year and taking away benefits from your employees to cover the rising cost of healthcare?

The Difference Card is a unique product that allows you to maintain the rich level of benefits for your employees without increasing employee contributions or reducing their benefit package.

Our Member Service Team is Ready to Help

  • We support your employees from 8 AM to 9 PM ET with associates.
  • We offer 24/7, 365 days a year automated phone support.
  • We are available to help employees through phone support, email and chat.
  • We keep wait times low. Our Average Speed of Answer when calling Member Services is less than 45 seconds.
  • Check out what our clients are saying.

Benefits for our Employers Partners

With the Difference Card Team, you are never alone. Personal support is provided to you every step of the way with a dedicated client success team.

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