I think she's sincerely confused about the difference between insurance, and prepayment.
What a difference six weeks, 1,400 miles, and a healthy dose of sunshine, beer, and BBQ make.
Another key finding was the difference of expectations between the amount of time it should take to get a raise or promotion.
mid-14c., from Old French difference (12c.) "difference, distinction; argument, dispute," from Latin differentia "diversity, difference," from differentem (nominative differens), present participle of differre "to set apart" (see differ). Sense of "a quarrel" first attested late 14c. Colloquial phrase what's the diff? first recorded 1896.
difference dif·fer·ence (dĭf'ər-əns, dĭf'rəns)
The magnitude or degree by which one quantity differs from another of the same kind.