Flag medical bill errors and help save™
Eligible cards include FREE HealthLock Monitor
(plus a 90-day upgrade with no obligation)
$130 million saved by members
100,000+ lives protected
syncs with over 250 insurance companies
More than 50% of medical bills contain errors2
Accidental overbilling and wrongly entered medical codes are common errors found in over half of all medical bills. Keep your claims protected with HealthLock. HealthLock automatically monitors your incoming medical claims to check for errors and notifies you before you overpay, regardless of your insurance provider.
HealthLock Monitor is absolutely FREE to Mastercard cardholders. Sign up with no obligation today.
Plus, you also receive a free, no-risk, 90-day trial to “HealthLock Claim Saver,” which gives you access to HealthLock’s bill negotiation and support team or additional support and assistance to help save money.
Activate your FREE HealthLock Monitor membership now
To verify your eligibility for this exclusive offer, please enter a valid Mastercard card number. For verification purposes only — your card will not be charged or saved.
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Terms and conditions apply.
Not a Mastercard cardholder? Sign up here >
Validate you're paying the correct amount for your healthcare
HealthLock syncs with your insurance, including Medicare, and automatically reviews incoming claims, letting you know if a claim is OK to pay, or flags any overcharges and notifies you immediately. Your HealthLock membership automatically protects you from medical overbilling, coding errors, and fraud.
$325
billion
is lost to medical
overbilling and fraud1
50%
over
of medical bills
contain errors2
How HealthLock helps save you money:
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Review past claims
When you sign up, we'll review all of your medical claims from the past 90 days to make sure you're only paying what you owe.
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Proactively monitor new claims
HealthLock connects to your insurance, including Medicare, and automatically monitors your claims and alerts you if you're overcharged. There's no limit to how many insurance providers you can sync. HealthLock will monitor medical insurance, dental, vision, and more for you and your dependents.
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Watch for overbilling and fraud
Over 50% of claims contain errors — everyday medical claims and hospital claims. Some errors are accidents, others are fraud. HealthLock protects you from errors.
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Negotiate on your behalf (Exclusive to Medical Claim Saver members)
HealthLock monitors your claims and alerts you when we think there's a chance to lower one. Then, our team will negotiate on your behalf to help save you money.
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Works with Medicare
HealthLock also works with Medicare.
How HealthLock works
Our powerful HealthLock DeepAudit technology and team of ever-vigilant professionals work around the clock to review your medical claims and flag any potential issues like overbilling or fraud.
Sync
Connect your insurance company to HealthLock. We’ll organize your claims, doctors and more in a single secure dashboard.***
Monitor
Our powerful HealthLock DeepAudit technology reviews your claims for errors while we monitor for breaches, new providers 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 HealthLock investigate and negotiate overcharges to get your money back. §
Protect
We work proactively to put your doctors on watch and monitor for breaches 24/7. We always have your back.
"HealthLock negotiated on my behalf. And the insurance paid the whole thing."
Kathy G.
"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.
HealthLock for Mastercard plans
Monitor
Free
To Cardholders
Auditor
$4.99/mo
Saver
$13.49/mo
Limited Time Offer
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.
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.
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.
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.
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 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.
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.
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.
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.
Activate your FREE HealthLock Monitor membership now
To verify your eligibility for this exclusive offer, please enter a valid Mastercard card number. For verification purposes only — your card will not be charged or saved.
****
****
Terms and conditions apply.
Not a Mastercard cardholder? Sign up here >
* After your risk-free, 90-day free trial, HealthLock Medical Claim Saver does NOT auto-renew. You can add it for $13.49/month, or continue with Medical Claim Monitor for Mastercard, yours free as a cardholder benefit.
** 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. HealthLock will spend up to $1 million to cover internal expenses related to remediation. This is not an insurance product. HealthLock does not reimburse for member losses or personal expenditures. Covered expenses are provided at the sole discretion of HealthLock.
*** Your health insurance carrier must be US based.
† Historical Claim Analysis and 90-Day Retro Audit and Recovery are provided once per member lifetime only during initial enrollment.
§ 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.
1JAMA Networks, 2Healthline