The Difference Card is an employer funded benefit that goes hand-in-hand with your medical insurance provider. It works by paying portions of copays and deductibles you may incur through your health insurance.
You can swipe your Difference Card at any eligible doctors’ offices for your copays. You may also be able to use your Difference Card to pay for prescriptions at the pharmacy. Check your Difference Card Summary of Benefits for details.
If you don’t have your card with you or if your doctor doesn’t accept credit cards, pay the entire copay in full and the Difference Card will reimburse you for your portion. Be sure to get a receipt from your doctor and submit that, along with a Reimbursement Form to the Difference Card.
Make sure the card is being swiped for the correct amount.The amount allowed for each swipe is listed in the “YOU PAY” column of your Summary of Benefits. If you have any trouble when using your card, you can always call Difference Card Member Services at 888-343-2110 and they will be happy to assist you.
In order to have a Difference Card, the dependent must be 18 years or older.
Call immediately to report your card lost or stolen or log in to your account to report your card lost or stolen. You can order a new card online!
To create your online account with The Difference Card, click Account Login then Member Login. If this is your first time logging into your account click First Time User or Register to begin.
Nope; we believe in simplicity: just one account.
You can submit a claim through our Claim Submission Portal found on our mobile app or website. Just snap a picture and upload your claim today! If you are mailing a claim in, make sure you include a claim form. Check out how to submit a claim.
We process 99% of claims in 2 business days. We will release the funds according to your plan and depending on if you have a check or direct deposit, you can expect to see the funds between 1-10 business days.
In order for us to process a claim, we will request an Explanation of Benefits from your insurance carrier or if you do not have access to your Explanation of Benefits, we will also accept an itemized invoice. For any prescriptions, copays or FSA spent funds, you may submit receipts or invoices. For any DCA expenses, you will be required to fill out the DCA Reimbursement form and submit that.
Yes! You will need to submit your claim online and enter your provider’s information. We will issue a check directly to the provider’s office.
Unless directed by your employer, to receive any reimbursement funds, you must submit claims.
If Direct Deposit is available, you may sign up in your account on our mobile app or website. This can be done in your “Profile” section.
Over-the-counter medication is typically not covered by your employer funded benefit, but if you have an FSA you may purchase over the counter medication with your Difference Card.