For TPAs
Keep the administration. Modernize the member experience.
You shouldn't have to replace your benefits platform to improve the part members actually use. Phase 3 adds a modern card and member layer alongside your existing administration, so you keep the system, the client relationship, and the book.
Start with one program. Expand at renewal.
The real problem
The member doesn't care how complex the stack is. They just want an answer.
Members are not asking for a systems diagram. They want to know what happened, why, and what to do next.
For a TPA, delivering those simple answers can be harder than it should be. Card platforms, integrations, client specific configurations, and release cycles can turn a straightforward member experience improvement into a much larger project.
Phase 3 takes a narrower approach. Keep the administration that already works. Modernize the card and member experience in front of it.
What the member asks
- What happened?
- Is anything needed from me?
- Why did this happen?
- What should I do next?
- Who can help me?
Why the swipe stays stuck
One question. An old machine behind it.
Acquisitions. Older platforms connected to newer ones. Customer specific logic. Review cycles. Release freezes. That is how a clear answer becomes a roadmap item on someone else's calendar.
What the member asks
Why didn't this work?
What often sits behind the card
- Administration
- Plan rules
- Client configuration
- Eligibility
- Funding
- Card and transaction data
- Substantiation
- Support
- Compliance
- Multiple systems
What they actually need
A clear answer.
A narrower job
You should not have to wait on someone else's stack to fix the swipe.
Documents stay with you. Testing stays with you. The client stays with you. Phase 3 sits next to the administration you already run and takes the card, the member surface, and the answer after checkout.
Modernize the card. Keep the book.
The split
What you keep. What we run. What members feel.
You keep
- Administration and the system of record
- Plan documents and testing
- Compliance relationships
- The client relationship
- Your brand
Phase 3 Benefits
The modern card layer
- The card members spend from
- Virtual access when funding clears
- Plastic if you want it
- The member app
- What happened after the swipe
- Receipts and review where the program needs them
- Support looking at the same event
- Events your systems can take
Your member gets
- A card that feels current
- Spend from the phone when funding clears
- A plain language answer after checkout
- A next step, not a dead end
- Your name on the experience
- Support that can see what they see
Why this is shippable
You do not have to wait for their next release cycle.
The incumbent card platforms were not designed to move a member experience in one motion. Too many old systems, too many exceptions, too many teams touching what started as a simple product change.
Phase 3 does not ask you to replace those platforms end to end. We take a defined card layer. You stay the TPA. The change stays small enough to start.
How you start
Start where change is easy. Expand at renewal.
01
Pick a program you can touch this year
Choose a supported program where the card can get better without reopening documents, testing, or the rest of the stack.
02
Prove it on a real population
Stand up the card, the app, support, and the operating rhythm. Learn on a defined group before anyone talks about the book.
03
Add more when the year turns
At renewal or open enrollment, decide what else belongs on the same credential. Mid year is not the default.
After the swipe
A transaction should leave an answer behind.
If support has to rebuild the swipe from a file the card vendor barely explains, the member already lost. Phase 3 keeps the story with the transaction: what paid, what did not, and whether anything is still needed.
What members actually want
They should not have to learn your architecture to use their benefit.
Plan rules can stay complicated. The surface should not. After a swipe, a receipt request, or a support call, people want the same thing: what happened, and what to do if something is still open.
Start with a real case
Bring us the program that should not be this hard.
The program still waiting on a vendor roadmap. The one generating tickets you cannot close from the card file you are given. The one you cannot justify a full conversion to fix. Start there.
Frequently asked questions
Straight answers for TPA leadership. Not legal advice.
Will you solicit our plan document business?
No. Documents, testing, Form 5500, COBRA, and ERISA advisory stay with you. That line is published on purpose.
Do you replace claims administration?
No. You keep administration. We run the card members use and the answer they get after a swipe.
Can we brand the card and app?
Yes. White label is the default. Members should feel your name, not ours.
How do we start without converting the whole book?
One supported program, or a defined population. Prove the experience. Add more at renewal if it earned the next step.
How do integrations work?
Eligibility and contributions come in. Transaction events and reporting go out. The developers page shows the objects.
Keep what works. Change what members feel.
One supported program. Then decide.