The Difference Card’s suite of products includes:

Medical Expense Reimbursement Plans (MERP)

  • Saving employers 18% by administrating a partially self-funded plan designs that combine multi-line benefits such as doctor’s office visits, urgent care, emergency room, hospitalization, surgery, mental health, pharmacy, dental and vision coverage.

The Difference Guarantee

  • Financial protection for our customers by capping their claims exposure and transferring risk to an A rated insurance carrier.

Difference Card Wellness

  • An incentive-based wellness program to encourage healthy behaviors and drive down the cost healthcare long term.

Health Savings Accounts (HSA)

  • Triple-tax advantaged savings account with top tier investment options for employees.

Dental Difference

  • A new dental solution that can solve the problem of high fixed premiums.

Health Reimbursement Arrangements (HRA)

  • An employer-funded account, which gives members access to a fixed annual amount to help pay for healthcare expenses.

Flexible Spending Accounts (FSA)

  • An employee-funded account that allows members to pay for healthcare expenses on a pre-tax basis.

Commuter Benefit Plans

  • Commuter savings solution to fund mass transit, ride sharing and parking expenses on a pre-tax basis.

Compliance Solutions

  • ERISA compliant plan documents, premium only plans, summary plan descriptions, wrap documents and non-discrimination testing.

Difference Benefit Admin System

  • With the Difference Benefits Admin System, you will have access to our Online Enrollment Services Platform and COBRA Administration

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