Our Team

Meet Our Team

Executives

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    Gregg Lehman Chief Executive Officer
    Executives

    Gregg Lehman

    Chief Executive Officer

    I joined The Difference Card to revolutionize the health insurance industry.

    Dr. Gregg Lehman, Ph. D. is the Chief Executive Officer of The Difference Card, having led the company since he was brought on board in 2014.

    Gregg has an extensive background and had success over the past 30 years in senior leadership positions with both private and public companies. He served as CEO of healthcare services and employee benefit companies such as The National Business Coalition on Health, Gordian Health Solutions, Inspiris, Health Fitness Corporation and MGC Diagnostics.

    Gregg has delivered numerous keynote addresses on healthcare reform and employee benefit cost reduction strategies over his career. He has ed and co-ed over 10 articles and has served as a board member of the Population Health Alliance, National Patient Safety Foundation, National Quality Forum, as well as a member of the National Advisory Committee for the RWJ National Health Care Purchasing Institute.

    Gregg earned his B.S. Degree from Indiana University in Business Administration and his M.S. and Ph.D. Business Administration, Finance and Economics from Purdue University.

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    Rosa Garcia Rinder Chief Operating Officer
    Executives

    Rosa Garcia Rinder

    Chief Operating Officer

    I joined The Difference Card because of the diversity of its team: I believe our team can make a difference in architecting a healthcare delivery system that is designed for people like us, like our families, and deliver something to market that helps employers maintain a high level of benefits for their employees while saving money.

    Rosa Garcia Rinder is the Chief Operating Officer and joined The Difference Card in 2020.

    Rosa joined The Difference Card because they are an organization that is innovative, diverse and helps employers save money on insurance while retaining high level of benefits for their employees. Rosa’s main objectives at The Difference Card are to deliver an amazing experience for our client partners, grow so that our teams can share in that, and be a great place to work.

    Rosa started her career in this industry at Choice Strategies in 2005. Rosa joined the Choice team as a member service representative and employee number 20; and within a few years rose to Director of Operations. As Director of Operations, Rosa was responsible for a team of over 100 employees and functions including, Member Services, Claims, Client Services and Implementation and Enrollment functions.

    In 2012, Choice was acquired by WageWorks and Rosa stayed on for another two years, working to bring the Choice team into the WageWorks Family. In 2015, Rosa joined Alegeus where she held roles including Director Solution Architecture and Director of Strategic Accounts. At Alegeus, Rosa worked with dozens of administrators and some of the largest carriers in the United States, helping bring to market their CDH solution.

    Rosa is originally from Queens, and grew up between there (Go Sunnyside!) and Madrid, Spain. Rosa went to college in Vermont, graduating from the University of Vermont. She loved it so much, she stayed in the Green Mountain State for 20 years- hiking, skiing, swimming! Currently, Rosa resides in Arlington, Massachusetts where she is raising a wild and fierce daughter, Ava Luna (yes, adaptation of Eva Luna from the book!) and her pug, Lucy. Rosa loves to learn, loves to run, loves to travel, loves her nieces and nephews and spending as much time with family and friends.

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    Chris Calderone Chief Revenue Officer
    Executives

    Chris Calderone

    Chief Revenue Officer

    I joined The Difference Card to help employers deliver great benefits without overpaying the insurance carriers!

    Christopher A. Calderone is the Chief Revenue Officer for The Difference Card. Chris has worked at The Difference Card for over nine years, starting as Senior Sales Consultant, then moving into the East Coast Sales Director, and most recently was appointed Chief Revenue Officer in 2020.

    Founded in 2001, The Difference Card is a unique healthcare cost solution designed to help employers achieve long-term savings without reducing employee benefit levels. The Difference Card has provided its clients with an average annual savings of 18% over the last ten years. Chris sets himself apart by consistently providing his clients with the guidance and expertise they need during critical transition periods. He is able to successfully assess their needs and construct a plan that will help them meet their long-term healthcare savings goals. The Difference Card is not just technology – it’s the powerful combination of flexibility, customer service, wellness, innovation and results.

    Chris started his career with Aetna. He graduated from the E.E. Cammack Group Insurance School, which is Aetna’s Sales and Development Program. While at Aetna, Chris was a two-time Gold Circle Award recipient. After leaving Aetna, Chris joined Anthem, Inc., as a Senior Sales Executive, within the Empire BCBS brand. Upon leaving BCBS for The Difference Card, Chris was their top NY sales executive.

    Chris is a graduate of the University of Notre Dame and holds a Bachelor of Science degree. Chris currently resides in Mamaroneck, New York with his wife and two children.

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    Dan Masciopinto Chief Technology Officer
    Executives

    Dan Masciopinto

    Chief Technology Officer

    Since joining The Difference Card, as the Chief Technology Officer, Dan has focused on optimizing the use of technology to better serve our broker and employer clients. Previously, Dan has spent over 20 years working in the healthcare technology space focusing on sales automation and analytics.

    He architected and managed the development of the HealthConnect platform, which was the largest provider of small group health quotes in the US.

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    Carol Adams Chief Risk Officer
    Executives

    Carol Adams

    Chief Risk Officer

    Carol Adams is the Chief Risk Officer and Lead Actuary for The Difference Card, overseeing the Underwriting Department and enabling the successful governance of risk when underwriting The Difference Guarantee Product.

    Carol started her career in insurance over 28 years ago, and has worked in the Accident & Health industry for both Life and Property/Casualty insurance companies.

    Most recently, she held roles in Senior Management of large P/C insurance companies, including Arch, Berkley and Ace (Chubb), with Chief Underwriting Officer responsibilities for the past 16 years. Her technical actuarial background includes product development, pricing, financial reporting, strategic planning, and risk management.

    Carol is a Member of the American Academy of Actuaries (MAAA-1993) and a Fellow of the Society of Actuaries (FSA-1995). She graduated from the University of Pittsburgh.

Leadership

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    Olivia Allison Operations Manager, Customer Care
    Leadership

    Olivia Allison

    Operations Manager, Customer Care

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    Taylor Britt Senior Director of Marketing & Sales Media
    Leadership

    Taylor Britt

    Senior Director of Marketing & Sales Media

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    JillAnn Callender Director of Client Services
    Leadership

    JillAnn Callender

    Director of Client Services

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    Ashley Dube Northeast Market Director
    Leadership

    Ashley Dube

    Northeast Market Director

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    Mahaila Ford Operations Manager, Claims
    Leadership

    Mahaila Ford

    Operations Manager, Claims

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    Andrea Giaco Director of Account Management
    Leadership

    Andrea Giaco

    Director of Account Management

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    Renee Hoppes Operations Manager, Customer Care
    Leadership

    Renee Hoppes

    Operations Manager, Customer Care

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    Stephanie McNellis Director of Client Retention
    Leadership

    Stephanie McNellis

    Director of Client Retention

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    Josh Pyzik Senior Director of West Markets
    Leadership

    Josh Pyzik

    Senior Director of West Markets

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    Robert Rouleau Director of Data
    Leadership

    Robert Rouleau

    Director of Data

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    Loretta Silecchia Director of Operations
    Leadership

    Loretta Silecchia

    Director of Operations

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    Kevin Smith MidAtlantic-Southeast Market Director
    Leadership

    Kevin Smith

    MidAtlantic-Southeast Market Director

Sales Team

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    Scott Abrams Senior Consultant, New York
    Sales Team

    Scott Abrams

    Senior Consultant, New York

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    Scott Bezanson Senior Consultant, California
    Sales Team

    Scott Bezanson

    Senior Consultant, California

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    Emily Coughlin Senior Consultant, New York
    Sales Team

    Emily Coughlin

    Senior Consultant, New York

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    Oldemar Da Silva Senior Consultant, Florida
    Sales Team

    Oldemar Da Silva

    Senior Consultant, Florida

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    Michael Famularo Senior Consultant, Colorado
    Sales Team

    Michael Famularo

    Senior Consultant, Colorado

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    Ryan French Senior Consultant, California
    Sales Team

    Ryan French

    Senior Consultant, California

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    Liam Hickey Senior Consultant, New York
    Sales Team

    Liam Hickey

    Senior Consultant, New York

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    Adrian Jones Senior Consultant, New York
    Sales Team

    Adrian Jones

    Senior Consultant, New York

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    Kyle Kiracofe Senior Consultant, Washington
    Sales Team

    Kyle Kiracofe

    Senior Consultant, Washington

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    Jon Klett Senior Consultant, Wisconsin
    Sales Team

    Jon Klett

    Senior Consultant, Wisconsin

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    David Lauritzen Senior Consultant, Maryland
    Sales Team

    David Lauritzen

    Senior Consultant, Maryland

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    Susan Neglio Senior Consultant, New Jersey
    Sales Team

    Susan Neglio

    Senior Consultant, New Jersey

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    Bethany Nelson Senior Consultant, Texas
    Sales Team

    Bethany Nelson

    Senior Consultant, Texas

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    Jennifer Revell Senior Consultant, Indianapolis
    Sales Team

    Jennifer Revell

    Senior Consultant, Indianapolis

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    Rachel Wilburn Senior Consultant, Pittsburgh
    Sales Team

    Rachel Wilburn

    Senior Consultant, Pittsburgh

Account Team

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    Jourdan Englert Client Retention, Team Leader
    Account Team

    Jourdan Englert

    Client Retention, Team Leader

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    Terry Robinson Account Team Leader
    Account Team

    Terry Robinson

    Account Team Leader

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    Brittany Andrews Account Support Manager
    Account Team

    Brittany Andrews

    Account Support Manager

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    Lee Bowers Consultant, Chicago
    Account Team

    Lee Bowers

    Consultant, Chicago

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    Bryana Bradley Consultant, Boston
    Account Team

    Bryana Bradley

    Consultant, Boston

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    Cindy Cano Consultant, New York
    Account Team

    Cindy Cano

    Consultant, New York

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    Alicia Cardello Consultant, New Jersey
    Account Team

    Alicia Cardello

    Consultant, New Jersey

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    Vanessa Cortijo Senior Account Manager
    Account Team

    Vanessa Cortijo

    Senior Account Manager

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    Christian Differding Consultant, California
    Account Team

    Christian Differding

    Consultant, California

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    Thalia Faiella Account Manager
    Account Team

    Thalia Faiella

    Account Manager

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    Laura Gelnett Consultant, Boston
    Account Team

    Laura Gelnett

    Consultant, Boston

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    Elizabeth Gossett Consultant, New York
    Account Team

    Elizabeth Gossett

    Consultant, New York

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    Richard Halpin Consultant, New York
    Account Team

    Richard Halpin

    Consultant, New York

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    Sabrina Hochberg Consultant, NY
    Account Team

    Sabrina Hochberg

    Consultant, NY

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    Cherie Hoolahan Senior Account Manager
    Account Team

    Cherie Hoolahan

    Senior Account Manager

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    Veronica Jentsch Senior Account Manager
    Account Team

    Veronica Jentsch

    Senior Account Manager

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    Emma Jerome Account Manager
    Account Team

    Emma Jerome

    Account Manager

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    Cecile Mamouzette Senior Account Manager
    Account Team

    Cecile Mamouzette

    Senior Account Manager

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    Clarisa Medina Account Manager
    Account Team

    Clarisa Medina

    Account Manager

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    Sandra Nieto Senior Account Manager
    Account Team

    Sandra Nieto

    Senior Account Manager

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    Michelle Ronan Consultant, California
    Account Team

    Michelle Ronan

    Consultant, California

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    Matthew Staubi Consultant, New York
    Account Team

    Matthew Staubi

    Consultant, New York

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    Marcia Spear Account Manager
    Account Team

    Marcia Spear

    Account Manager

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    Stephanie Schmeltzer Wellness Manager
    Account Team

    Stephanie Schmeltzer

    Wellness Manager

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    Kimoye Thomas Account Support Manager
    Account Team

    Kimoye Thomas

    Account Support Manager

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    Marcie Wallace Account Manager
    Account Team

    Marcie Wallace

    Account Manager

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