Don’t go to the doctor without HealthLock.
Over half of medical bills contain errors. HealthLock automatically analyzes your and your family’s claims for fraud and overbilling—and can help get your money back.
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$130 million saved by members
100,000+ lives protected
syncs with over 250 insurance companies
Your rights. Our responsibility.
How HealthLock saves you and your family money
Over half of medical bills contain errors. HealthLock helps make sure you only pay what’s fair:
- Flags claims with errors or overbilling
- Helps you negotiate lower medical bills†
- Assists in resolving medical fraud
- Audits claims up to two years old
† Requires 20% of shared savings.
Explore SavingsAre you a Mastercard cardholder?
Get exclusive access to HealthLock at no monthly cost, plus preferred upgrades and pricing.
$325 billion
is lost to medical overbilling and fraud
66%
of bankruptcies are tied to medical issues
More control with HealthLock
Healthcare is complex. HealthLock brings order to the chaos:
- Automatically reviews and verifies claims
- Manages your medical claims in one place
- Safeguards your uploaded medical documents
- Keeps track of your doctors and deductibles
Are you a Mastercard cardholder?
Get exclusive access to HealthLock at no monthly cost, plus preferred upgrades and pricing.
56%
of people feel lost trying to understand health insurance
More than
1 in 4
had trouble paying a recent medical bill
How HealthLock protects your privacy
Your medical information is private. HealthLock helps keep you and your family safe:
- Monitors your providers for breaches
- Alerts you to potential medical fraud
- Helps fix medical fraud
Are you a Mastercard cardholder?
Get exclusive access to HealthLock at no monthly cost, plus preferred upgrades and pricing.
133 million+
healthcare records were breached in 2023
Your medical data is
50x more
valuable than your credit card on the black market
Are you a Mastercard cardholder?
Get exclusive access to HealthLock at no monthly cost, plus preferred upgrades and pricing.
HealthLock for Mastercard plans
Monitor
Alerts you to provider breaches and helps fix fraud
Included
Auditor
Flags claims for potential errors and overcharging
$4.99/mo.
Saver
Provides access to expert medical bill negotiators
$19.99/mo.
$13.49/mo.
Limited Time Offer
We work around the clock to monitor your providers for HIPAA violations and breaches of your private medical information. If your information is exposed in a breach, we’ll help restore your privacy.
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.
The Privacy P.A.C.T. (Privacy and Compliance Tracking) notifies your doctors that your health information is monitored 24/7 and protected from exposure to criminals and government agencies. Your doctors must place this HIPAA-compliant notice in your patient file and notify us should anyone unlawfully access your health information.
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.
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.
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.
Take back control of your healthcare with our centralized, easy-to-understand portal. 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.
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.
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 many cases these bills are past the window for negotiation, the analysis helps you identify the potential for future overbilling issues.
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.
Using our powerful HealthLock DeepAudit Technology, we automatically audit incoming claims and flag potential upcoding and overcharges so you can get your money back.
Track what medical expenses you’ve paid out-of-pocket already and know how much you have left to meet your annual deductibles.
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 reclaim over $130 million.
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.
Need help navigating your insurance or healthcare? Our healthcare experts are available to make healthcare easier by answering any questions you might have.
Some services are only available with select membership levels. .
How HealthLock works
Powerful analytics-driven technology and a team of ever-vigilant professionals work around the clock to restore privacy, control and savings to you and your family.
![](https://healthlock.com/wp-content/uploads/2022/02/howItWorks-1-sync.png)
![swirl](https://healthlock.com/wp-content/uploads/2023/04/dotted-swirl.png)
Connect
Sync your insurance. We securely organize your claims, providers and more in an easy-to-use dashboard.
![](https://healthlock.com/wp-content/uploads/2022/02/howItWorks-2-Monitor.png)
![swirl](https://healthlock.com/wp-content/uploads/2023/04/dotted-swirl.png)
Monitor
We automatically review you and your family’s claims for errors, monitor your providers for breaches and privacy intrusions.
![](https://healthlock.com/wp-content/uploads/2022/02/howItWorks-3-Alert.png)
![swirl](https://healthlock.com/wp-content/uploads/2023/04/dotted-swirl.png)
Alert
Anytime we detect potential overbilling, fraud or suspicious activity, we flag it and notify you immediately.
![](https://healthlock.com/wp-content/uploads/2022/02/howItWorks-4-Negotiate.png)
![swirl](https://healthlock.com/wp-content/uploads/2023/04/dotted-swirl.png)
Negotiate
Optionally, you can request we negotiate overcharges to get your money back.†
![](https://healthlock.com/wp-content/uploads/2022/02/howItWorks-5-Protect.png)
![swirl](https://healthlock.com/wp-content/uploads/2023/04/dotted-swirl.png)
Protect
We always have your back. We’ll investigate and help fix medical fraud issues.
† Requires 20% of shared savings.
![Hand with phone](https://healthlock.com/wp-content/uploads/2023/02/homePrivacyRisk.jpg)
Why trust HealthLock
100,000+ lives protected
For over 10 years, HealthLock technology has provided privacy, control and savings to celebrities and high-net-worth families.
$130,000,000+ reclaimed
HealthLock technology has audited over half a billion dollars in medical bills and saved members over $130 million. How much are you being overbilled?
Your data security is priority one
HealthLock uses bank-level security to help ensure your data stays out of the wrong hands. We are SOC 2 compliant and follow strict HIPAA guidelines.
Works 250+ major insurance providers including:
Stop overpaying for healthcare. Start saving today.
Restore your right to medical privacy, control and savings. Get started today.