A wellness program nobody opens is not a differentiator.
Commercial and Marketplace plans fund incentives, wellness dollars, and supplemental benefits, then deliver them through portals, forms, and reimbursements. Participation collapses at every step that asks the member to do the administration.
Reimbursement is a deterrent
Paying up front and waiting for a form to clear is enough friction to end most good intentions.
One vendor per benefit
Separate logins for rewards, wellness, and supplemental benefits leave the member — and your service team — to connect them.
Retention is decided annually
In a market where members shop every year, a benefit they never used is a benefit they will not weigh at renewal.
Fund it once. The card handles the rest.
Choose the accounts your product needs and Speak issues them as spendable dollars with eligibility enforced at the register — no claim forms, no receipts, no portal for members to forget.
Eligibility by product
Accounts, funding cadence, and limits are set per product and population, so a Marketplace plan and a large group plan can run different designs on one platform.
Taxable and non-taxable, separated
Each account reports independently, in a format your payroll and finance teams can consume.
Substantiation at the register
Item- and merchant-level detail gives account administration an audit trail without asking members for paperwork.
Card your members once, support them forever.
One multi-functional, custom-branded card carries every carded benefit in the program. Restrictions are enforced at the point of sale, so a member never has to guess whether an item qualifies.
Curated or custom Approved Product Lists, restricted at SKU and merchant level.
Add new benefit purses to the same card as the program evolves — no re-carding.
Card management, PIN reset, and replacement handled inside the wallet.
Weeks 1–3 · Design
Account structure, eligible categories, and card design agreed and configured.
Weeks 4–8 · Integration
Eligibility feeds, funding and accounting setup, card production, service readiness.
Weeks 9–11 · Communications
Member collateral, enrolment materials, and marketing automation produced in-house.
Open enrollment · Live
Cards in hand, wallet live, support and reporting running from day one.
A launch that lands before open enrollment.
Commercial and Marketplace products are decided annually, so the program has to be in members' hands before open enrollment. This is the sequence Speak runs.
Support that keeps members out of the phone tree.
Speak runs its own AI-enabled service operation, so benefit, card, and eligibility questions resolve in one contact. It works alongside your existing call center — live agent support can sit with the plan, with Speak, or with a third party.
Get in Touch24/7 support inside the app
- In-app live chat and support calling
- Phone and chat coverage around the clock
- No leaving the wallet to get help
Support that stays off your desk
- AI assistance, chatbot, and live agents
- Card, balance, and eligibility questions resolved by Speak
- Escalation paths agreed with your service team
Proactive outreach
- Benefit reload alerts
- Reward opportunities as they are earned
- Preventive visit and screening reminders
360° coverage
- Activation, balances, lost or stolen cards
- Product eligibility and store finder
- Program questions and transaction history
Insight categories
Card activity, transaction activity, contact center performance, redemption funds, and member engagement.
Program compliance support
Reporting your team can defend to regulators and stakeholders, with the transaction-level detail behind every figure.
Member communications
Cards, mailers, and catalogs designed and produced in-house at required reading levels, with translation and accessible formats.
The data you need to satisfy regulatory requirements.
A 24/7 client portal gives instant visibility into card issuance, activation, and utilization, with dashboards and presentation-ready reporting for regulators, brokers, and internal review.
Let's talk about your commercial and Marketplace products.
Tell us what you want members to feel at renewal, and we will show you how the program is configured, launched, supported, and reported.
