
HEALTHLOCK FOR MASTERCARD
AN EXCLUSIVE CARDHOLDER OFFER
HealthLock for Mastercard
Never overpay for healthcare again.

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.*

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.

–
-****-****
Not a Mastercard cardholder? Sign up here. >

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.
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.

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.

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
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.”

“HealthLock manages my medical claims, negotiates with my insurance carriers and providers, and has saved me nearly $100,000 in medical costs.”

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

–
-****-****
Not a Mastercard cardholder? Sign up here. >
** 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