Long-term member health is everyone’s end goal.

We help health plans build targeted incentive programs that address risk factors and encourage healthy behaviors. Our restricted-spend technology limits purchases to only specified items, and all unused funds are returned to the plan. With digital delivery of funds for multiple programs on one OTC Network® card, it’s the most efficient program for managing incentives and rewards. And members will love not just receiving the incentives, but how convenient it is to use them.


Preventative care leads to healthier, happier members.


Incentives & Rewards Made Easy

As experienced providers of benefits and incentives programs, we have the tools and expertise to boost your:

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Program Features

  • Helps improve your HEDIS® scores
  • Custom-branded cards put your plan first and foremost in members’ minds
Member Satisfaction

Member Satisfaction

  • Instant delivery of rewards or incentive funds
  • Restricts spending to only health and wellness items
  • No cash withdrawal capability
Bottom Line

Bottom Line

  • Unused funds are returned to the health plan

  • Comprehensive reporting tools



“InComm is not just one solution, they are a multitude of solutions offering different benefits for different segments of the population. It makes me feel better as a partner to know that I can have multiple benefits provided by a best-in-class company.”


- Product and Strategy Director - Oscar Health



Members Value Incentives

of health plan members are interested
in provider programs that offer
incentives for routine and preventative care. 

of health plan members said incentives
would help them achieve their health goals.


Source: InComm Payments Research | 2020


Incentive Reward Cards with Digital & Physical Delivery Options


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Open-Loop Gift Card

The open-loop gift card works like a debit card – redeemable anywhere in the U.S. that the brand is accepted. Funds do not expire, and cards are available in $1-$10,000 denominations. Easy fulfillment in bulk and individual quantities via physical or virtual formats!


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Closed-Loop Gift Card

With over 1,000 brands to choose from, closed-loop gift cards are perfect for rewarding members who complete healthy habits. Branding opportunities are also available.


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Reloadable Visa® Gift Card

Domestic and international options allow for continual rewards to members, with availablility in denominations from $1-$10,000.


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Leading Partners in Benefits
& Incentives Delivery

Instant Disbursement

Funds are delivered directly to the card, ready when your members expect them.


Member Convenience

The OTC Network Member Portal lets members check balances, view eligible items, locate retailers and find exclusive discounts.



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Deliver a Truly Personalized Reward 

Reward Choice Certificates (RCC) allow members to receive a personalized reward (message, design and name). They can choose to redeem their certificate online, or by mail, for their choice of 350+ gift card brands (up to their reward value).


All RCCs include: CMS codes printed on awards, a 13-month (or less) expiration date, 12-pt. font and 4th-grade reading level. Rewards begin at a $10 value and can increase in $5 increments.








Interested in learning more? Connect with us today.