For Members

Welcome to The Difference Card!

Joining forces with us is an exceptional step in taking back control over your medical expenses. We understand this can be a daunting task. We want you to know you are not alone.

Our mission is to make each one of our members an educated consumer when it comes to medical services and expenses. The better understanding you have of your benefits, the more savings you can take advantage of.

How does The Difference Card work?

Have you ever felt overwhelmed by the rising costs of your out-of-pocket medical expenses? At The Difference Card, we understand the burden of these costs. We are here to help! Our goal is to reduce your out-of-pocket costs by carrying some of that burden.

The Difference Card works with your employer to create benefits that are made just for you. The Difference Card is a benefit account funded entirely by your employer. We help pay for bills your health insurance company says are your responsibility.

Tips to reduce your healthcare costs:

  • Before you go to a doctor, check to make sure they are an In-Network Provider. In-Network Providers will cost you less. Typically you can check this on your health insurance website or by calling your doctor.
  • When you go to a healthcare provider, always present your health insurance card first.
  • When you get a bill from your doctor, don’t pay it right away. Wait until you get a statement from your insurance company breaking down how much you owe. This statement is sometimes called an Explanation of Benefits (EOB). Sometimes, you will then get a second bill from your provider that has been reduced.
  • Match the bill from your provider to your explanation of benefits. Only pay the amount your health insurance company says you owe.

Here is where The Difference Card comes in:

  • Your employer is helping you offset the cost of these medical expenses. Check your Difference Card Summary of Benefits Chart to see what services your employer is funding. You can find this by logging in to your online account and navigating to the forms section.
  • If the type of expense listed in your Explanation of Benefits is covered, snap a picture of your EOB and submit to The Difference Card. We will process your claim and send you a payment!
  • We pay 99% of our claims in less than two business days. Need help reading your EOB? Our Member Services Team is standing by to help.

Video

Swiping your Difference Card at the Point-of-Service

Depending on your Difference Card Plan Design, you may be able to swipe your Difference Card at the doctor’s office, pharmacy or Emergency Room to pay for things like copays and prescriptions.

View More Videos

Video

Swiping your Difference Card at the Point-of-Service

Depending on your Difference Card Plan Design, you may be able to swipe your Difference Card at the doctor’s office, pharmacy or Emergency Room to pay for things like copays and prescriptions.

View More Videos

Difference Card technology to make your life easier.

Our Difference Card Smart Mobile App and integrated Benefit Portal give you access to search for in-network providers, so you can be sure to take full advantage of your in-network benefits.

You can shop for prescriptions by finding a pharmacy near you that sells your prescription at the lowest cost! By creating an account with us, we also save you money with the GoodBuyRxCard. This card will act just like a coupon for your prescriptions.

You have access to our live monthly wellness webinars presentations on Zoom, which provide you with the best ways to take better control over your health.

We’re Here For You

Our Member Services Team is filled with knowledgeable representatives who can assist you with any questions you may have and will help you gain a better understanding of how your benefits work.

Call our Member Service Team at: (888) 343-2110 | 8 AM – 9 PM Eastern

If you need assistance outside of regular business hours, we are still here! You will have access to account balances, the ability to order a new card, and activate your new card 24/7 when calling us after hours or you can download the DC Smart Mobile App.

DOWNLOAD MOBILE APP:

Apple App StoreGoogle Play Store

Looking for additional information about The Difference Card?

Visit Member Resources to download forms, submit a claim or view a Member Welcome Kit. 

    Informational Difference Card Flyers

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