One wallet.

Endless benefits.

The Universal Wallet puts every benefit your members have earned in one place — visible, simple, and easy to use. When members can see their benefits, they use them. And when they use them, outcomes improve.

Speak is more than an app,
it’s an all-in-one benefits solution

Universal
Digital Wallet

Multi-functional
branded benefit cards

Rewards and
Incentives

Engaging member
tools and shopping

One platform, not a stack of vendors

Most plans need one vendor for the retail network, another for member support, others for analytics, printing, and design. With Speak, it’s all one platform. Fewer integrations. Less overhead. One team accountable for it all.

An experience that’s truly built around the members

Realtime visibility into benefits
resulting in higher utilization.

A simple, intuitive interface that reduces confusion which improves member satisfaction

Immediate access to member service tools that greatly reduce call center volume.

A single, consistent experience across benefit types resulting in stronger retention

Universal Wallet

Everything members need, in one wallet

Our easy-to-use Universal Wallet allows members to see all their benefits in one place, including health plan benefits, SNAP, and WIC. It has everything they need to manage their accounts, check balances, find savings, search nearby stores to shop, earn rewards, and much more.

Card

Pay for every benefit from one card

No more hassles with issuing multiple cards for different supplemental benefits. With Speak, your members get the simplicity of having one smart payment method that covers everything.

Explore Solutions

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.