IAFF Leader

Local leaders:

Protect your Local with HealthLock medical fraud and overbilling protection. Special pricing available.


Iaff | HealthLock

Welcome IAFF Members

To verify your eligibility for the exclusive offer, enter your Local number using numbers only.

HealthLock flags medical claim errors and overbilling to help you save

Phone Alert

Stop overpaying on 
medical bills

More than half of medical bills contain errors,1 which can be confusing and costly. But with IAFF-FC and HealthLock on your side, you don’t have to navigate the healthcare system alone. HealthLock’s technology securely syncs with your insurance companies and reviews the incoming claims, flagging any potential medical fraud, errors or overbilling.

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.

Exclusive IAFF member offer

Your Local provides HealthLock as member benefit


For Healthlock Gold

(regularly $19.99/mo.)

Simplify healthcare and find potential savings

Savings Image

Are you paying too much? We can help you find potential savings.



is lost to medical overbilling and fraud2



of medical bills contain errors1

HealthLock automatically reviews medical claims for overcharges and helps get your money back.§

Monitoring Image

If you experience medical fraud, we’ll help fix it.**



healthcare records breached in 20223


Your medical data is

valuable than your credit card on the black market4

We work 24/7 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.

Deductible Tracking

You’re not alone. We’re here to fight on your behalf.


of Americans feel lost trying to understand health insurance5


of bankruptcies are tied to medical issues.6

If you’ve been overcharged by a provider, you can request that we negotiate on your behalf.§ To date, we’ve helped our members save over $130 million.

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.



Connect your insurance company to HealthLock. We’ll organize your claims, doctors and more in a single secure dashboard.



We review your claims for errors while we monitor for breaches, new providers and privacy intrusions.



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



Optionally, you can request HealthLock investigate and negotiate overcharges to get your money back.§



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.

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

Jen C.


"I love that HealthLock organizes all of my claims in one place and that they review each one."

Eric W

Eric W.

*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.

**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.

† 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 33% shared savings of reclaimed money or bill reduction, charged to the payment option on file upon confirmation of recovery from the carrier or provider.

1 Healthline, 2 JAMA Networks, 3 Protenus, 4 Experian, 5 Bend HAS, 6 American Journal of Public Health