Flag medical bill errors and save.

As seen on:

HealthLock securely connects with your insurance and reviews your healthcare claims as they come in.

We flag errors, overbilling, denials and negotiate for you.§

Reviews past claims

When you sign up, we’ll review all of your medical claims from the past 2 years to make sure you’re only paying what you owe.

Monitors medical, dental and vision

HealthLock connects to your insurance and automatically monitors your family’s claims and alerts you if you’re overcharged.

Watches for overbilling and fraud

Over 50% of claims contain errors. Some errors are accidents, others are fraud. HealthLock safeguards you and your family against errors and fraud.

Works with Medicare

HealthLock also works with Medicare.

HealthLock Membership Benefits

Using our powerful HealthLock DeepAudit technology, we automatically audit incoming claims and flag potential upcoding and overcharges so you can get your money back.

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.

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.

If your medical claim is denied, HealthLock will assist you in attempting to reverse the denial.

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.

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.

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 claims are past the 90-day window for negotiation, the analysis helps you identify the potential for future overbilling issues.

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 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.

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.

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.

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.

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.

Have a question? Our friendly team of knowledgeable experts is available via email or chat to provide advice and answer your questions about alerts, your dashboard, and your membership.

Identity Fraud, Theft and Cyber Protection

Up to $1 Million Identity Fraud Expense Reimbursement, as well as Optional Benefits, such as Cash Recovery Aggregate for Unauthorized Electronic Fund Transfers from Checking & Savings Accounts, or Cash Recovery for Unauthorized Electronic Fund Transfers from Investment/Health Savings Accounts*

Cyber protection includes assistance with malware, ransomware and/or virus removal, home internet troubleshooting, optimization of wifi, and more.

$19.99/month

20% Shared Savings fee

Includes a 20% Shared Savings fee on lowered charges, out-of-pocket costs, reimbursements, and refunds.

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.

$29.99/month

No extra fees

Any money we save or get reimbursed for you goes straight back into your pocket.

"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.

How HealthLock works

Connect

Sync your insurance. We securely organize your claims, providers and more in an easy-to-use dashboard.

Monitor

We automatically review your and your family’s claims for errors, and monitor your providers for breaches and privacy intrusions.

Alert

Anytime we detect potential overbilling, fraud or suspicious activity, we flag it and notify you immediately.

Negotiate

Optionally, you can request we negotiate overcharges to get your money back.§

Protect

We always have your back. We’ll investigate and help fix medical fraud issues.

$130 million saved by members

100,000+ lives protected

syncs with over 250 insurance companies

Works with 250+ major insurance providers including:

^§ If noted, some plans require 20% shared savings of reclaimed money or bill reduction, charged to the payment option on file upon confirmation of recovery, reduction, or claim denial reversal from the carrier or provider. Plans without a shared savings cost are also be available if listed.

* 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.

† Historical Claim Analysis and 90-day Retro Audit and Recovery are provided once per member lifetime only during initial enrollment.

** Identity theft protection services and resolution provided by Iris® Powered by Generali. The Expense Reimbursement and Unauthorized Electronic Fund Transfer Reimbursement benefits are underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company, under group or blanket policies issued to Policyholder or its respective affiliates for the benefit of its Members. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits at https://www.irisidentityprotection.com/terms-conditions.