# Difference Card Smart Mobile

> Healthcare spending management and savings app with personalized recommendations and claim submission. (iPhone/iPad app by EB Employee Solutions, LLC.)

- Source: https://appshunter.io/ios/app/difference-card-smart-mobile/id862586851 (this page in markdown: same URL + `.md`)
- Developer: [EB Employee Solutions, LLC](https://appshunter.io/developer/1353437525)
- Category: Business, Medical
- Price: Free
- Rating: 3.70/5 from 394 App Store ratings · 41 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 50 MB
- Languages: American English
- Released: 2014-04-20
- Data updated: 2026-08-22
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/difference-card-smart-mobile/id862586851/reviews.md

## What is Difference Card Smart Mobile?

Introducing the Difference Card Smart Mobile App! This free app from The Difference Card will deliver a unique experience like no other. 

In addition to providing on-the-go access to your Difference Card account, the mobile app will assist you by:

- Guiding you through your healthcare journey with personalized recommendations
- Exploring low-cost, high quality healthcare options you may not have known existed
- Making smart healthcare spending and saving decisions with the use of a virtual medicine cabinet
- Helping you submit a claim quickly and easily with the snap of a picture

In addition, you will have access to helpful mobile tools such as viewing your account balance and transaction details on-the-go, viewing pending claims, and accessing important messages from The Difference Card.

For security reasons, you will need to register and create an account, even if you have already registered on The Difference Card website.

When using the app for the first time, you will be guided to take some important actions, such as specifying chronic conditions, loading your virtual medicine cabinet, and adding your health insurance provider. This will provide a truly personalized mobile app experience!

Making a difference in your healthcare decisions with the Mobile Smart App from The Difference Card!

## Key features

- Personalized healthcare recommendations
- Explore low-cost healthcare options
- Virtual medicine cabinet
- Quick claim submission with photos
- View account balance and transactions
- Access pending claims and messages

## What do users think of Difference Card Smart Mobile?

Overall sentiment: negative

**Pros**

- 👍 User-friendly interface (mentioned once)
- 🚀 Efficient claims submission (mentioned once)
- 💡 Provider search tool (mentioned once)
- ✅ Easy balance checking (mentioned once)
- ✅ Direct deposit signup (mentioned once)

**Cons**

- 🐛 Login issues (frequent)
- 🐛 Registration failures (frequent)
- 🐛 Blank screens after login (frequent)
- 🐛 App crashes/kicks out (frequent)
- 🐛 Difficult to navigate (frequent)
- 🐛 Information not easily accessible (frequent)
- 🐛 Vague instructions (frequent)
- 🐛 Slow loading times (frequent)
- 🐛 Inability to upload PDFs/scans (frequent)
- 🐛 Claim submission process confusing/difficult (frequent)
- 🐛 Requires separate account from website (frequent)
- 🐛 Poor UI/UX (frequent)
- 🐛 App not working after updates (frequent)
- 🐛 Permanent notification badge (mentioned once)
- 🐛 Confusing and technical (mentioned once)
- 🐛 Hard to load information (mentioned once)
- 🐛 Not user-friendly (mentioned once)
- 🐛 Terrible directions (mentioned once)
- 🐛 Login page always pops up (mentioned once)
- 🐛 Features not organized (mentioned once)
- 🐛 Doesn't include all website features (mentioned once)
- 🐛 Hard to submit a claim (mentioned once)
- 🐛 Incompetence and indifference (mentioned once)
- 🐛 Unoptimized UI/UX (mentioned once)
- 🐛 Glitchy password/Touch ID (mentioned once)
- 🐛 Invalid credentials (mentioned once)
- 🐛 Inefficient registration process (mentioned once)

**Commonly reported bugs**

- Cannot log in after updates
- Login button unresponsive
- Blank screens after successful login
- Permanent notification badge that won't disappear
- App crashes or kicks user out
- Registration process fails
- Forgot password function not working
- Cannot upload PDFs or scans
- Claim submission process resets if switching apps
- Square image requirement for uploads
- App requires a separate account from the website
- Login credentials invalid for app but valid for website
- Touch ID/Face ID not consistently working
- App is slow and not intuitive

**Most requested features**

- Easier access to Difference card payment information on homepage
- Ability to upload PDFs for claims
- App should remember login status after Face ID/biometric login
- Include all features from the full website, like adding bank accounts
- Allow uploading of EOBs for claims
- Improve claim submission process to handle images/screenshots better
- Notification for claim denials/messages
- Make the app more intuitive and less technical

## Recent user reviews (10 of 41)

All indexed reviews: https://appshunter.io/ios/app/difference-card-smart-mobile/id862586851/reviews.md

### 1/5 — Doesn’t function

*2026-07-21, version 27.0.0*

The app is almost always down. Won’t let you verify a bank account, won’t send you a verification code. When you call, no one can help you with any question.

### 1/5 — App isn’t loaded

*2026-06-09, version 27.0.0*

The app isn’t loading for me. Website is no better. It’s not like I need this or anything..

### 3/5 — App is broken?

*2026-03-19, version 26.2.2*

What happened? After 2.5 years, I can’t get logged in. Frustrated. Must call H.Q.

### 1/5 — Can’t register

*2026-02-05*

Downloaded the app and I am not able to register. It lets me verify my email but once I make a password it says there was a problem and to try again. It still won’t let register.

### 2/5 — Doesn’t provide easy access to important information

*2025-03-23*

The main reason I downloaded this app was so I would have easy access to information on what the Difference card will pay and what I am required to pay when I am at a providers office. This information is not easily accessible. Instead of it being on the home page I’m still required to download a document or go to the website and open a document that is barely legible. No reason to have an app if it doesn’t give me what I need.

### 1/5 — Webpage/App Does Not Function

*2024-12-28, version 25.0.4*

Good UI. Bad UX. Successful login but blank screens.

### 1/5 — Fix your update

*2024-11-04*

Every since your latest update there is a permanent 1 notification that will not come off the app. Everything has been opened and checked.

### 1/5 — update ruined the app

*2024-10-17, version 25.0.0*

can’t even log in lol account can’t be found but i was able to log in on the internet browser

### 1/5 — 10.16.24 Update Makes App Useless

*2024-10-16, version 25.0.0*

Prior to submitting an expense, I clicked OK when prompted to update the app. When I click on Expense, I see a text string about adding an expense and nothing else. Both options under Claims result in blank pages.

### 1/5 — Not great

*2024-08-28, version 24.08.00*

Hard to load information.   Very vague in what you all need.  The app is slow..

## Frequently asked questions about Difference Card Smart Mobile

### What does the Difference Card Smart Mobile App do?

The app allows users to manage their healthcare spending and savings on the go. It provides personalized recommendations, helps users find affordable healthcare options, and simplifies the process of submitting claims by allowing photo uploads. Users can also view their account balance, transaction details, pending claims, and important messages.

### How do I get started with the app?

To use the app, you will need to register and create an account, even if you have a website account. Upon first use, you'll be guided to specify chronic conditions, load your virtual medicine cabinet, and add your health insurance provider for a personalized experience.

### Is the Difference Card Smart Mobile App free to use?

Yes, the app is free to download and use. The description indicates it is a 'free app' from The Difference Card. However, it does mention 'in-app purchases' as a monetization model, suggesting some features or services might have associated costs.

### What are the key features of the app?

Key features include personalized healthcare recommendations, exploration of low-cost healthcare options, a virtual medicine cabinet for smart spending decisions, and quick claim submission via photo. Users can also access their account balance, transaction details, pending claims, and messages.

### Who is the target audience for this app?

This app is designed for individuals who want to take a more active role in managing their healthcare journey and finances. It's particularly useful for those looking to save money on healthcare, understand their spending, and streamline the process of submitting medical claims.

## Version history (last 5 releases)

### 28.0.0 — 2026-08-17

Stronger sign-in security
• Multi-factor authentication is now available at sign-in, adding an
  extra layer of protection to your account and health information.

Your new Wellness hub
• Take your Personal Health Assessment right in the app and get
  personalized results the moment you finish.
• Track your daily calorie balance and see how food and activity
  add up over time.
• Set vision goals, earn achievements, and review your full wellness
  history in one place.
• Improved accessibility throughout, with better screen reader
  support and adjustable text sizing.

### 27.1.0 — 2026-08-11

You can now view, add, edit, and remove family members (dependents) right from the app, and assign benefit plans to each one. Adding a new dependent takes you straight into plan selection, and edits save in one step. Clearer messages now guide you if you try to add a duplicate person or remove someone with existing transactions.

Fixed an issue where provider insight PDFs would fail to download. If insights aren't available for a provider, you'll now see a clear, specific reason instead of a generic message.

### 27.0.0 — 2026-05-08

Upgraded to the latest React Native ecosystem with improved UI stability, performance, and security updates.
Fixed key issues including claim page loading and Android memory optimisation, with ongoing improvements to transaction details.

### 26.3.1 — 2026-04-06

Bug fixes and Improvements

### 26.3.0 — 2026-03-20

Plum Provider search enhancements
Bug fixes and Improvements

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-22.*