Medical Expense Reimbursement Plan

Take your health insurance savings strategy to the next level with a Difference Card MERP

The Difference Card specializes in administering Medical Expense Reimbursement Plans (MERP).

This IRS Section 105 Plan allows employers to establish a tax-free account from which members can access to help pay for qualified expenses associated with the underlying carrier medical plan.

The Difference Card MERP takes the Health Reimbursement Arrangement (HRA) concept to the next level by providing more flexibility, security and customization.

Advantages of a Difference Card MERP:

  • Freedom to move carriers and alter plan designs
  • Detailed plan reporting: daily, weekly and monthly utilization data by facility/provider
  • Plan success is tracked by savings
  • Savings can be guaranteed with the inclusion of our reinsurance policy
  • Provide funds for specific  line items services:
    • Doctor visits
    • Emergency Room Care
    • Urgent Care
    • Diagnostic Testing
    • Hospitalization and Surgery
    • Pharmacy
  • Auto substantiation of claims with the convenience of debit card integration at the copay level
  • Assignment of a full Account Management Team to help in the success of the plan and employee communication materials:  printed English & Spanish language guides and customized client videos.
  • Full compliance package, including plan documents, SBCs, SPDs and non discrimination testing.
  • Plan costs can be shared with members through premium equivalent rates.
  • Our Actuarial Team will produce premium equivalent rates to set employee/employer contributions and COBRA rates.
  • Medical Expense Reimbursement Plans can help the employer to purchase the most cost effective single option from an insurance carrier, then customize the funding to build back to multiple plans for the employee benefit offering.

Contact The Difference Card Today

See how our innovative health insurance solution can help your clients and prospects save on average 18% off their medical insurance costs. Any fully-insured or level-funded client could qualify.

    Informational Difference Card Flyers

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