We Speak

Benefits

Rewards

Healthcare

A smarter way to deliver
health benefits and rewards.

The Currency of Care®

Speak is a health-focused fintech company who delivers innovative and modern payment solutions to the healthcare industry with the mission to become the Currency of Care®.

Led by industry veterans who are pioneers in the field of restricted payment solutions, we provide over $1 billion in redeemed benefits and manage more than 10 million benefit cards each year.

Our goal is to be the most flexible payment option in the industry, driving superior member engagement and satisfaction that optimizes health plan outcomes, reduces cost, and delivers innovative rewards with superior results.

We Speak Benefits. 

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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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Incentivize healthy behavior with rewards that match your goals.

Easily set up a compliant rewards program that helps you close care gaps. Increase preventive care screenings, boost vaccination rates, support improved chronic condition management, and more with flexible program designs.

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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
Incentivize healthy behavior with rewards that match your goals.

Easily set up a compliant rewards program that helps you close care gaps. Increase preventive care screenings, boost vaccination rates, support improved chronic condition management, and more with flexible program designs.

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