The management of services for employer plans covering Flexible Spending Accounts (FSA), Variable Employee Benefits Arrangements (VEBA), Health Reimbursement Arrangements (HRA), and Health Savings Accounts (HSA) are all vitally important. Today enrollment, education, retention programs are largely transacted by letter or using call center agents as are claims processing within these services.  Here automated communications can add significant value by increasing member acquisition, satisfaction, loyalty and retention while dramatically reducing the cost of transacting business.