HSA and FSA questions. Medicare offboarding. The everyday benefits work that clogs a call queue — handled over text, with HIPAA, TCPA, and CMS TPMO designed in from the start.
Members don't read the plan document. They call. Open enrollment triples the volume, the questions are the same seven every year, and the answers are all sitting in a PDF nobody opens.
Benefits sits on top of PHI, TCPA consent, and — the moment Medicare enters the conversation — CMS TPMO marketing rules. That's the reason the easy version of this product doesn't exist. We wrote the guides before we wrote the pitch.
Every regulation governing SMS-based Medicare outreach — HIPAA, TCPA, and TPMO — source-cited for compliance teams.
CMS TPMOWhat counts as third-party marketing, which disclaimers apply, and where an AI conversation crosses the line.
TCPA & textingConsent, revocation, and the quiet-hours rules that govern outbound benefits messaging.
HIPAAWhere PHI starts, what a BAA covers, and how lead generation stays on the right side of it.
State privacyThe state consumer-health-privacy laws that reach past HIPAA, including Washington's My Health My Data Act.
In-boundary processingHow member data is processed inside your trust boundary instead of being shipped to a model vendor.
Both run on the same engine — interpret intent, extract fields, validate gaps, resolve. What differs is who's texting and what comes out the other end.
White-label SMS Medicare intake. Offboard Medicare-eligible employees from a self-funded plan, cut the employer's claims exposure, and keep the client relationship yours — the outreach carries your brand, not ours.
Guided Intake — someone outside the organization is trying to get in. A completed, qualified Medicare application, routed to the agent who acts on it.
HIPAA and TCPA designed in; CMS TPMO disclaimers handled in the message flow.
HSA, FSA, and HRA questions answered by text, 24/7, with no app to install. Members get an answer in seconds; your support team stops fielding the same seven calls — especially through an open-enrollment surge.
Grounded Answers — someone just needs an answer. Grounded in your plan documents, cited to the source, with a logged deflection your team never had to field.
Answers are limited to the documents you provide. Anything outside scope gets a redirect, never a guess.
Not a conversation log — a typed, validated row. This is the part that turns support volume into something you can report on at renewal.
"AskFrank has transformed how we support our CDH clients. Members get instant answers, and our team can focus on the work that really matters." — MoneyWise Solutions
Ask Frank currently deflects more than 80% of inbound questions based on live client usage. The cost-per-contact and claims-avoidance figures you'll see on our product sites are modelled from industry benchmarks, not measured from your book — they're labelled that way there, and we're not going to pretend otherwise here. If you want a number you can take to a renewal, run a pilot and we'll measure yours.
A working demo against a real plan document, plus the compliance answers your review board will ask for.