We Speak

Benefits

Rewards

Healthcare

A smarter way to deliver
health benefits and rewards.

The Currency of Care®

Health benefits and rewards can be difficult for consumers to use and cumbersome for health plans to manage. Speak is here to change that, with innovative, easy-to-use health benefit and reward solutions for today’s world.

Founded by pioneers in restricted payment solutions, we offer a uniquely powerful blend of deep industry know-how and technological expertise, giving you best-in-class resources to drive effectiveness for your health plan’s programs.
 
Delivering flexible, intuitive, and modern payment solutions to the widest retail acceptance network in the healthcare industry, we are on a mission to become the Currency of Care.®
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Empower members with intuitive, self-service experiences.

Our action-driven, easy-to-use online and app experience empowers members to manage their accounts and check balance, search their nearest store to shop, search for savings, earn rewards, and much more.

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Equip members to monitor exactly where they’re spending and saving.

With easy, intuitive access to all of their purchase history and account activity, memebers can take control of their accounts. Plus, they always know when their funds are set to reload, minimizing support questions.

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Leverage the latest tech to create powerful experiences.

We’ve made it easier than ever to find savings, earn rewards, and always know exactly what’s covered. We connect memebers with real-time data verification, so they can confirm and earn savings at the point of sale.

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Tap into the largest retailer acceptance network available.

Give members convenient shopping options with in store, online or home delivery. Using the card is easy for members with access to 65K+ retail options spanning the world’s most popular retailers.

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Deliver instant retailer and CPG-funded product offers and savings.

Delivering savings and rebates to members is easier and faster than ever, with retailer-funded and CPG-funded rebates available to activate and redeem directly from the member app.

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Drive retention with next-generation customer support.

Omnichannel customer support offers members assistance quickly in the way that works best for them - phone, chat, and market-leading visual assist helps members of all ages learn how to use key features online and on the app.

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Slide 1
Empower members with intuitive, self-service experiences.

Our action-driven, easy-to-use online and app experience empowers members to manage their accounts and check balance, search their nearest store to shop, search for savings, earn rewards, and much more.

Slide 1
Equip members to monitor exactly where they’re spending and saving.

With easy, intuitive access to all of their purchase history and account activity, memebers can take control of their accounts. Plus, they always know when their funds are set to reload, minimizing support questions.

Slide 1
Leverage the latest tech to create powerful experiences.

We’ve made it easier than ever to find savings, earn rewards, and always know exactly what’s covered. We connect memebers with real-time data verification, so they can confirm and earn savings at the point of sale.

Slide 1
Tap into the largest retailer acceptance network available.

Give members convenient shopping options with in store, online or home delivery. Using the card is easy for members with access to 65K+ retail options spanning the world’s most popular retailers.

Slide 1
Deliver instant retailer and CPG-funded product offers and savings.

Delivering savings and rebates to members is easier and faster than ever, with retailer-funded and CPG-funded rebates available to activate and redeem directly from the member app.

Slide 1
Drive retention with next-generation customer support.

Omnichannel customer support offers members assistance quickly in the way that works best for them - phone, chat, and market-leading visual assist helps members of all ages learn how to use key features online and on the app.

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Introducing
Speak Pay

Flexible payment solutions,
customized to fit your health
plan and goals.

There is no one-size-fits-all approach to health benefits and rewards. From unrestrictive payment solutions to UPC-level restrictions, Speak takes a consultative approach to partnership, configuring solutions to fit your program’s unique needs.

Partnership Benefits

Broadest selection of
payment solutions available

Largest set of Approved
Product Lists (APLs) in
the industry

Receive unspent
funds back

Over $200/month in funded
rebates from top brands

Superior Member Engagement
and Satisfaction

We believe driving superior member engagement starts with building frustration-free experiences. Speak empowers your members at every level by providing better choices, intuitive experiences, and setting a new bar for innovative member support.

Member Benefits

The largest retailer
acceptance network, by far

Channel flexibility: in-store,
online, or delivery

Intuitive self-service
experiences

Innovative, next-gen
member support

Innovative Reward Solutions

Speak offers unparalleled experience in crafting reward solutions that meet your program goals and compliance needs. Our expertise in digital payment solutions means your members can get instant gratification with real-time rewards that seamlessly integrates with your health program goals.

Compliance expertise for both
Medicare and Medicaid

Educational engagement
content integration

Instant gratification with
real-time reward loading

Integration capabilities to
wearable devices