Don’t go to the doctor without HealthLock.
Over half of medical bills contain errors and over 45 million claims are denied each year. HealthLock flags costly errors, helps recover your money and appeals wrongful denials.
Join Now RISK-FREE 60-DAY MONEY BACK GUARANTEEAs seen on:
Never overpay for healthcare again.
Charged more than you were expecting?
Understanding EOBs and bills can be difficult. HealthLock scans for potential overcharges.
Ever had a claim denied?
Denials can be complex and time-consuming, often delaying access to care. HealthLock is here to assist.§
Have you felt confused and frustrated about a medical claim?
HealthLock’s technology and Personal Healthcare Champions are here to help analyze your claims and bills for overcharges.
Has your medical information been stolen?
HealthLock watches your doctor for breaches and notifies you.
Real Stories. Real results.
27%
of insured adults experience a denied claim each year1
If your medical claim is denied, HealthLock will assist you in attempting to reverse the denial.
$130 million saved by members
100,000+ lives protected and growing
Certified data security and privacy
syncs with over 250 insurance companies
HealthLock Pricing and Benefits
Our membership includes you and family members under your healthcare insurance.
$19.99/month
(Save 20% when billed annually)
RISK-FREE 60-day Money Back Guarantee Join NowRequires a 20% Shared Savings fee on lowered charges, out-of-pocket costs, reimbursements and refunds.§
Member Benefits
Medical Claim Price Check
Using our powerful HealthLock DeepAudit technology, we automatically audit incoming claims and flag potential upcoding and overcharges so you can get your money back.
Medical Bill Negotiation and Overcharge Recovery§
If you’ve been overcharged by a provider, you can request that we negotiate on your behalf to help get your money back. To date, we’ve helped our members save over $130 million.
Medical Claim Denial Assistance§
If your medical claim is denied, HealthLock will assist you in attempting to reverse the denial.
Medical Claim Tracker
See all your medical claims at a glance. We bring all your insurance-submitted doctor and medical service claims into a single location for easy review and verification.
Personal Reimbursement Support
When we negotiate on your behalf, we’ll assign you to a Personal Reimbursement Specialist. While our team is busy getting your money back, they’ll be your single point of contact.
90-Day Retro Audit and Recovery†,§
For select flagged claims that are less than 90 days old, you can elect to have us work on your behalf to reclaim money from overbilled and overpaid bills.
Historical Claim Analysis†
Upon joining, we’ll analyze up to two years of your previous medical claims and flag potential overcharges using our HealthLock DeepAudit technology. While in most cases these bills are past the 90-day window for negotiation, the analysis helps you identify the potential for future overbilling issues.
Deductible Tracking
Track what medical expenses you’ve paid out-of-pocket already and know how much you have left to meet your annual deductibles.
Medical, Provider and Insurance Fraud Remediation*
If you don’t recognize a doctor or your bill doesn’t match, just let us know. We’ll investigate to uncover whether it’s an error or a misuse of your information. If it’s fraud, our team will help fix the problem.
Proactive Threat Alerts and Notifications
We alert you by email or text whenever we detect new claims, a breach, or a potential threat. Our comprehensive alerts provide expanded notifications for our enhanced plans to help you stop medical and financial identity theft early.
24/7 Medical Privacy and Breach Monitoring
We work around the clock to monitor your providers for HIPAA violations and breaches of your private medical information. When we detect a breach at one of your providers, we’ll alert you.
Medical Privacy Risk Score
The only score of its kind, we calculate your privacy exposure based on several risk factors. As the score changes, we alert you via your dashboard so you can take control of your medical privacy.
Secure Medical Manager Dashboard and Document Vault
Take back control of your healthcare with our centralized, easy-to-understand dashboard. View your claims, deductibles, doctors, and more on your desktop or mobile phone. Securely upload your insurance cards, invoices, and receipts for easy access anytime.
Member Support
Have a question? Our friendly team of knowledgeable experts is available via phone, email, or chat to provide advice and answer your questions about alerts, your dashboard, and your membership.
How HealthLock works
Connect
Sync your insurance with ease. We’ll organize your claims and providers in a user-friendly dashboard.
Monitor
We watch over your family’s claims for errors and keep an eye on your providers for any privacy intrusions.
Alert
If we spot potential overbilling, claim denials, or suspicious activity, we alert you right away.
Negotiate
Optionally, you can request we negotiate overcharges or denials on your behalf.
Protect
We’re here to investigate and resolve medical identity and fraud issues.
““HealthLock negotiated on my behalf. And the insurance paid the whole thing.””
Kathy G.
““Healthlock's expertise not only saved us a substantial amount of money but also spared us from the daunting task of navigating the convoluted world of medical billing during our most trying times.””
Cody P.
““HealthLock manages my medical claims, negotiates with my insurance carriers and providers, and has saved me nearly $100,000 in medical costs.””
Jen C.
““I love that HealthLock organizes all of my claims in one place and that they review each one.””
Eric W.
Ready to get started? Join now to protect your health and finances.
RISK-FREE 60-day Money Back Guarantee
Works with 250+ major insurance providers including:
* Remediation includes guidance throughout the recovery process, assistance in restoring accuracy to credit reports and medical records, help reporting errors to health care providers, and assistance finding new doctors.
§ Negotiation and recovery services require 20% shared savings of reclaimed money or bill reduction, charged to the payment option on file upon confirmation of recovery from the carrier or provider. Example: You request our help with a claim or bill, HealthLock successfully appeals the claim, you receive a reimbursement check of $300 from your insurance and HealthLock charges you a $60 Shared Savings fee.
† Historical Claim Analysis and 90-day Retro Audit and Recovery are provided once per member lifetime only during initial enrollment.
Denial statistics are sourced from KFF, an independent authority on health policy research, polling, and news.