Rich benefit design does not survive a confusing member experience.
Plans compete on supplemental benefits, then watch a meaningful share of the allowance expire unused. 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 purses to track
OTC quarterly, flex annual, groceries monthly, utilities for the eligible few. Each purse 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 purse in the member's hand.
What you filed is what gets configured. Speak builds the purse structure to the plan benefit package, gates the populations that need gating, and reports breakage back while the year is still open.
Model the filed design
Purse structure, allowance cadence, and eligibility criteria configured to the plan benefit package.
Gate SSBCI populations
Special supplemental benefits limited to qualifying members, with the eligibility basis documented and retained.
Issue one card
MCC and SKU-level restriction applied per purse. New purses join the same card — no re-carding.
Watch the breakage
Purse-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 benefit purses to the same card as the program evolves — no re-carding.
Card management, PIN reset, and replacement handled inside the wallet.
CAHPS and member experience
First-contact resolution on card, balance, and eligibility calls — no transfer to a second vendor to answer a benefit question.
Medication adherence
A pharmacy purse plus refill and pickup reminders delivered where members already check their balance.
Screenings and annual visits
Reward dollars paid to the same card on completion, with the activity recorded.
Health status and HOS drivers
Food, fitness, and transportation purses aimed at what members report about their own health.
Bid accuracy
Actual utilization by benefit and cohort, so next year’s design is priced on behavior rather than estimate.
Where the program shows up in your measures.
Supplemental benefits touch Stars through experience, adherence, and completed activities. Because the benefit and the service channel sit on one platform, the evidence arrives together.
24/7 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 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
Proactive outreach
- Benefit reload alerts
- Reward opportunities as they are earned
- Annual wellness visit and seasonal shot reminders
360° coverage
- Activation, balances, lost or stolen cards
- Product eligibility and store finder
- Program questions and transaction history
Superior member experiences at a lower cost.
Speak runs its own AI-enabled service operation, so the team answering the call knows the benefit, the card, and the retailer. It works alongside your existing call center — live agent support can sit with the plan, with Speak, or with a third party.
Get in TouchThe 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 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 designed and produced in-house at required reading levels, with translation and accessible formats.
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.
