* After your 90-day free trial, HealthLock Medical Claim Saver does NOT auto-renew. You can add it for $19.99/month — a 33% discount for cardholders. 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.
†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 any applicable claim fees + 33% shared savings of reclaimed money or bill reduction, charged to the payment option on file upon confirmation of recovery from the carrier or provide.
HealthLock is an end-to-end analytics-driven platform that helps protect cardholders’ medical identities and data, and monitors their medical claims for errors, fraud, and overbilling. HealthLock provides three plan levels:
- Medical Claim Monitor: Helps guard against medical fraud and privacy intrusions by monitoring medical data breaches, providing alerts, and helping remediate medical fraud issues.
- Medical Claim Auditor: Organizes, tracks, and audits all healthcare bills (24-month retroactive audit and ongoing auditing) in one place, verifying that all bills are accurate and identifying potential overcharges and insurance errors. This level includes everything from the previous plan level.
- Medical Claim Saver: Provides access to medical bill negotiation with providers and insurance companies to potentially help reduce bills and reverse claim rejections. This level includes everything from the previous plan levels.
Enrolled users receive, at no cost, Medical Claim Monitor, plus a premium upgrade to Medical Claim Saver for the first 90 days. After 90 days, users will continue to receive Medical Claim Monitor at no monthly cost and have the option to continue with Medical Claim Auditor service for $4.99 per month, or Medical Claim Saver for $19.99 per month.
HealthLock is a third-party service provided directly to cardholders by InsuranceAssist, Inc., a California Corporation d/b/a HeathLock, with offices at 3480 Torrance Blvd., Los Angeles, CA 90503 (InsuranceAssist). As such, Mastercard takes no responsibility, and makes no warranties or representations, whatsoever for/ in respect of any aspect of the HealthLock service. All rights of recourse for any compensation for any failure or deficiency of the HealthLock service are between the cardholder and InsuranceAssist. Except as otherwise required under applicable law, Mastercard disclaims all liability for any and all losses, claims or liabilities which may arise in connection with the provision of the HealthLock service.
InsuranceAssist obtains the data required to provide the HealthLock service directly from the cardholder’s healthcare insurance carrier/administrator, with the cardholder’s consent. Mastercard is not involved in that flow of data and does not process any cardholder’s personally identifiable information (PII) or protected health information (PHI) in connection with the HealthLock service.
InsuranceAssist has responsibility for ensuring that all data protection/ privacy concerns are addressed and all data protection and privacy laws are complied with in connection with the provision of the HealthLock service. This includes ensuring that all requirements of the Health Insurance Portability and Accountability Act (HIPAA), including the applicable security standards, are met.
1JAMA Networks, 2Healthline, 3Protenus, 4Experian, 5Bend HSA, 6American Journal of Public Health
HealthLock for Mastercard is a benefit for U.S. Mastercard HSA/FSA cardholders and available as an offer for U.S. Mastercard consumer cardholders. Eligible cardholders must reside in the United States and have a United States Health Insurance carrier to participate. By participating, you agree to these terms and HealthLock’s Terms of Service (https://healthlock.com/terms-and-conditions/). Cardholders can live chat within the application on the HealthLock website or they can submit an email inquiry to firstname.lastname@example.org. Alternatively, they can also call the customer service line at 833-356-2331, Monday through Friday between 7:00am and 7:00pm CST, or via online chat, available Monday through Friday between 8:00am and 6:00pm CST. All rights reserved.