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HEALTHLOCK FOR MASTERCARD

  |  AN EXCLUSIVE CARDHOLDER OFFER

HealthLock for Mastercard

Never overpay for healthcare again.

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HealthLock Medical Claim Monitor for Mastercard — with no monthly cost

Exclusive Mastercard cardholder offer:

Managing your healthcare can be overwhelming. You shouldn’t have to worry about medical fraud or overcharging as well. HealthLock is on your side, working to protect your privacy and save you money. Mastercard is providing its cardholders ongoing HealthLock Claim Monitor for Mastercard as an added benefit at no monthly cost.

PLUS for 90 days, cardholders also get a free upgrade to the HealthLock Medical Claim Saver for Mastercard plan, which includes auditing and savings features ($89.97 value). After your 90-day trial, HealthLock Medical Claim Saver does NOT auto-renew.*

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What’s included:

  • 24/7 privacy monitoring of doctors and claims
  • Medical data breach and threat alerts
  • Medical fraud and ID theft remediation**
  • Doctor, deductible and claim tracking
  • Automatic medical claims review for overbilling

Mastercard cardholders get this exclusive access.

To verify your eligibility for this exclusive offer, please enter only the first 8 digits of your Mastercard. This ensures your privacy and doesn’t reveal any of your personal information.

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Not a Mastercard cardholder? Sign up here. >

Flagged Bills

Saves you money

Review medical claims for overcharges automatically and help get your money back. §

$325

billion

is lost to medical overbilling and fraud1

50%

over

of medical bills contain errors2

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.

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.
Claim your benefit
24-7 monitoring

Protects your privacy

Detect medical fraud and guard against privacy intrusions.

59

million+

healthcare records breached in 20223

33x more

Your medical data is

valuable than your credit card on the black market4

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.

Some services are only available with select membership levels.
Claim your benefit
Deductible Tracking

Gives you more control

Organize and track your healthcare claims, providers, and more in one place.

56%

of Americans feel lost trying to understand health insurance5

66%

of bankruptcies are tied to medical issues.6

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.
Using our powerful HealthLock DeepAudit Technology, we automatically audit  incoming claims and flag potential upcoding and overcharges so you can get your money back.
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.
Some services are only available with select membership levels.
Claim your benefit
CLAIM YOUR BENEFIT

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.

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Sync

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

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Monitor

Our powerful HealthLock DeepAudit technology reviews your claims for errors while we monitor for breaches, new providers and privacy intrusions.

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Alert

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

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Negotiate

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

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Protect

We work proactively to put your doctors on watch and monitor for breaches 24/7. We always have your back.

Ratings

“HealthLock negotiated on my behalf. And the insurance paid the whole thing.”

Kathy G.

Kathy G.

Ratings

“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.

Ratings

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

Eric W

Eric W.

Mastercard cardholders get this exclusive access.

To verify your eligibility for this exclusive offer, please enter only the first 8 digits of your Mastercard. This ensures your privacy and doesn’t reveal any of your personal information.

Mastercard Symbol

–

-****-****

Not a Mastercard cardholder? Sign up here. >

* 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.
***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 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 provider.
1JAMA Networks, 2Healthline, 3Protenus, 4Experian, 5Bend HSA, 6American Journal of Public Health