Rich benefit design does not survive a confusing member experience.
Plans compete on supplemental benefits, yet many members leave part of their allowance unspent. The gap is rarely the benefit itself — it is that the member cannot tell what they have, where it works, or what happens at the register.
Too many benefits to track
OTC quarterly, flex annual, groceries monthly, utilities for the eligible few. Each benefit has its own rules and its own reset date.
Confusion lands in the call center
Balance and eligibility questions dominate call volume, and every transferred call is a CAHPS answer waiting to happen.
Unused dollars buy nothing
A benefit that expires improves no measure and wins no renewal. It shows up in the bid as cost without effect.
From the filed bid to the allowance in the member's hand.
What you filed is what gets configured. Speak builds the benefit structure to the plan benefit package, gates the populations that need gating, and reports breakage back while the year is still open.
One contract, one partner. We integrate and manage the vendors behind your benefits so your team works with one point of accountability.
Model the filed design
Benefit structure, allowance cadence, and eligibility criteria configured to the plan benefit package.
Gate SSBCI populations
Special supplemental benefits limited to the members the plan qualifies, with eligibility flags applied per benefit.
Issue one card
MCC and SKU-level restriction applied per benefit. New benefits join the same card — no re-carding.
Watch the breakage
Benefit-level spend and expiring dollars surfaced while the quarter is still open.
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 benefits to the same card as the program evolves — no re-carding.
Card management and replacement handled inside the wallet.
CAHPS and member experience
Members call one number for card, balance, and eligibility questions. Where another vendor delivers the benefit, Speak manages the handoff.
Screenings and annual visits
Reward dollars posted to the same card once the plan confirms completion.
Health status and outcomes
Food, fitness, and transportation benefits that support the health status members report in the Health Outcomes Survey.
Where the program shows up in your measures.
Supplemental benefits touch Stars through member experience and completed preventive care. Because the benefit and the service channel sit on one platform, your team sees spend and support activity in one place.
24/7 support inside the app
- In-app self-service and IVR available 24/7
- Live agent chat during customer service hours
- No leaving the wallet to get help
Support built for seniors
- Live agents trained on Medicare benefit rules
- Natural-language IVR for members who prefer the phone
- Visual assist and AI-supported resolution
360° coverage
- Activation, balances, lost or stolen cards
- Product eligibility and store finder
- Program questions and transaction history
Superior member experiences, one support team.
Speak runs its own AI-enabled service operation, so the team answering the call knows the benefit, the card, and the retailer.
Get in Touch
The data behind your regulatory reporting.
A 24/7 client portal gives instant visibility into card issuance, activation, and utilization, with dashboards and presentation-ready reporting you can take into audit and bid review.
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 produced with our print and fulfillment partner at required reading levels, with translation and accessible formats.
FAQ
Medicare Advantage supplemental benefits: common questions
Can a Medicare Advantage plan deliver OTC, flex, grocery, and utility benefits on one card?
Yes. One multi-functional, custom-branded card carries every carded benefit in the program, and the Universal Wallet shows members what they have. Each benefit keeps its own rules and reset date, and restrictions are applied at the SKU and merchant level and enforced at the point of sale.
How are SSBCI benefits limited to eligible members?
Speak applies eligibility flags per benefit, so special supplemental benefits are available only to the members the plan qualifies.
Can we add a new supplemental benefit without reissuing cards?
Yes. New benefits are added to the same card as the program evolves, with no re-carding.
How does Speak match the benefits we filed in our bid?
Benefit structure, allowance cadence, and eligibility criteria are configured to your plan benefit package. What you filed is what gets configured.
What reporting do plans get?
A 24/7 client portal shows card issuance, activation, and utilization, with transaction-level detail behind every figure. Benefit-level spend and expiring dollars are surfaced while the quarter is still open.
Who do members call with questions?
One number for card, balance, and eligibility questions. Self-service in the app and by phone is available 24/7, with live agent chat during customer service hours. Where another vendor delivers the benefit, Speak manages the handoff.
Let's talk about your next bid.
Bring us your benefit design and we will show you how it is configured, issued, serviced, and reported.
