$230 million saved by members
100% savings returns to you
$1 billion+ in claims reviewed
250+ insurance companies

Save more than money.

Making sense of medical bills can be overwhelming, and it's hard to know if you are being overcharged. HealthLock Plus securely connects to your insurance to flag billing errors, appeal wrongful denials, negotiate with providers, and help you recover your money. Members of HealthLock Plus also receive 24/7 privacy and data breach monitoring as well as top-notch protection from identity theft.

Choose Your Plan
HealthLock Plus

Member Benefits

Medical Claim Monitoring

We automatically audit insurance claims for you and your family and flag potential errors. Everything is organized in a single location for easy review.

Identity Protection

We work around the clock to monitor breaches of your private information, and notifications help you stop medical and financial identity theft early.

Bill Negotiation

If you've been overbilled, you can request that we negotiate to help get your money back—even for claims that happened as much as 6 months ago. †

Full Family Coverage

One HealthLock Plus membership covers family members who live at the same address, even if you have different insurance coverage.

Claim Denial Assistance

Denials are time-consuming and often delay access to care. HealthLock will assist you in attempting to reverse the denial.

Business Protection

Reduce wasteful healthcare spending for your company and your employees. We offer flexible options for businesses of all sizes.

†Historical Claim Analysis and 6-month Retro Audit and Recovery are provided once per member lifetime only during initial enrollment.

HealthLock technology has helped members save more than $230 million.

Jim H.
New York, NY
$500.00
Pamela S.
Jacksonville, FL
$229.16
Cody P.
Santa Monica, CA
$6,300.00
Cliff C.
Phoenix, AZ
$2,000.00
James E.
Nashville, TN
$13,000.00
Juan A.
Louisville, KY
$85.00
Gary B.
Milwaukee, WI
$2,938.81
Kathy G.
Phoenix, AZ
$1,364.44
Nicholas J.
Dallas, TX
$277.00
John B.
Boston, MA
$4,892.36
Sarah K.
Seattle, WA
$876.31
Suejin Y.
Austin, TX
$840.04
Nolan M.
San Franciso, CA
$355.96
Jim H.
New York, NY
$500.00
Pamela S.
Jacksonville, FL
$229.16
Cody P.
Santa Monica, CA
$6,300.00
Cliff C.
Phoenix, AZ
$2,000.00
James E.
Nashville, TN
$13,000.00
Juan A.
Louisville, KY
$85.00
Gary B.
Milwaukee, WI
$2,938.81
Kathy G.
Phoenix, AZ
$1,364.44
Nicholas J.
Dallas, TX
$277.00
John B.
Boston, MA
$4,892.36
Sarah K.
Seattle, WA
$876.31
Suejin Y.
Austin, TX
$840.04
Nolan M.
San Franciso, CA
$355.96
Actual savings from real members. Some names or locations may have been changed to protect privacy.

Get Real Results.

Our members and their families have saved over $230 million by using HealthLock Plus. Watch and read their stories to see just how many people we have helped.

A $7,000 ER bill nearly slipped through after insurance denied it—HealthLock Plus stepped in, fought for me, and saved nearly $2,000. They handle the billing chaos so I don’t have to. Total peace of mind and real savings for a busy business owner like...

Jessica B.

Frankfort, KY

picture of Jessica

HealthLock Plus lifted the stress of medical bills while my child was sick. They handled the chaos so I could focus on what truly mattered—my family. Their support brought peace of mind when I needed it most. I’m beyond grateful.

Jay C.

Columbus, GA

picture of Jay

Had an unexpected ER visit after a spider bite—doctor, hospital, and pharmacy charges piled up. HealthLock Plus picked it all up in 24 hours, audited everything, and gave me total peace of mind. I didn’t even have to file a thing. Absolutely worth it...

Dana T.

Phoenix, AZ

picture of Dana

HealthLock Plus saved me $134 on one bill and flagged 15% of my claims for errors I would've missed. It's easy, affordable, and has completely taken the stress out of dealing with medical bills. It’s already paid for itself multiple times!

Ram K.

Columbus, OH

picture of Ram

In an emergency, HealthLock took the stress of fighting insurance off my plate—saving me hundreds and fixing billing mistakes I would’ve missed. I never realized how complicated insurance was. Their support was a lifesaver, so I highly recommend this.

James E.

Nashville, TN

picture of James

HealthLock Plus helped cut my $20,000 ER bill by over $13,000 after insurance denied it. I was overwhelmed and stuck—until they stepped in, handled everything, and gave me peace of mind. I’m truly grateful for their help when I needed it most.

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Make Medical Billing Easy.

Becoming a HealthLock Plus member is easy, and once you sign up, our user-friendly interface has everything you need to quickly review medical expenses and claims. Follow these steps to get started today.

Sign Up

Click the 'Join Now' button to add your information and create an account.

Connect

Easily sync with your insurance provider and manage everything in one place.

Review Alerts

We monitor your claims and providers 24/7 and alert you to possible issues.

Dispute Errors

We negotiate for you, and our retro audit helps recover money from the last 6 months. †

Be Protected

We flag unusual claim activity to help prevent medical fraud.

Choose Your Plan
†Historical Claim Analysis and 6-month Retro Audit and Recovery are provided once per member lifetime only during initial enrollment.

Sync with over 250 carriers.

Our service syncs up with your insurance provider to monitor your claims. We work with more than 250 carriers. Take a look to see if your carrier is included.

View All Carriers

Read our newsworthy stories.

Learn more about HealthLock Plus in the news, get the latest updates, and read our current press releases.

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Protecting Yourself from Medical Identity Theft

May 15, 2025

Medical identity theft is one of the fastest-growing forms of fraud in the U.S.—and it's often invisible until serious damage is done. A stolen medical insurance card can allow someone else to receive care in your name, generate false claims, or leave you saddled with bills for services you never received.

At HealthLock+, we take a proactive approach to protecting your medical identity.

Our platform doesn’t just monitor—it actively scans for suspicious activity, flags potential billing fraud, and provides expert support to help you resolve issues quickly and effectively. We’re connected to over 250 insurance carriers, enabling us to detect errors and unauthorized activity in real-time.

HealthLock+ includes:

  • Real-time claim monitoring and error detection

  • Alerts for unusual activity or potential fraud

  • Identity theft protection tools for your entire household

  • Support from U.S.-based specialists available 24/7

Your health information is sensitive—and valuable. With HealthLock+, you gain more than peace of mind. You gain control.

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How Does HealthLock Plus Work?

May 14, 2025

If you’ve ever been confused by a medical bill, overcharged for care, or worried that your personal health information could be misused—you’re not alone.

HealthLock Plus was built to solve these problems.

Most people don’t realize that billing errors and medical fraud affect millions of Americans each year. Even fewer understand how often they’re being overbilled—or how difficult it can be to uncover and fix those mistakes.

HealthLock Plus changes that.

Here’s how it works:

  • We connect directly to your health insurance provider.
    Our platform integrates with over 250 carriers to scan claims in real-time.

  • We search for errors, fraud, and savings opportunities.
    From duplicate charges to inflated fees, HealthLock Plus reviews your medical history—starting with the past 6 months—to find what you may have missed.

  • We alert you and guide you every step of the way.
    If something’s off, our U.S.-based experts help you understand your options and fight back—with no extra cost to you.

  • You’re protected.
    Your identity matters too. HealthLock Plus includes built-in identity theft protection to monitor and guard your personal medical data.

It’s automatic. It’s secure. And it’s built for people like you.

Understanding your coverage and protecting your finances shouldn’t be complicated. With HealthLock Plus, it’s not.

thumbnail for Over $230 Million Saved—and Growing

Over $230 Million Saved—and Growing

May 13, 2025

We’re proud to announce that HealthLock+ has now helped our members recover and protect more than $230 million from medical billing errors, overcharges, and fraud.

Behind that number are real people—families, individuals, caregivers—who were unknowingly paying too much for care they trusted. In most cases, they never would have known there was a problem.

That’s where HealthLock+ comes in.

With powerful technology and expert insight, we help our members:

  • Identify hidden billing errors

  • Stop inflated charges before they’re paid

  • Recover money lost to fraud and overbilling

  • Monitor and protect their healthcare and identity data

This milestone is more than a statistic—it’s a reflection of our mission to make healthcare safer, clearer, and more affordable for everyone.

We’re just getting started.

Join the thousands of members who are taking back control of their healthcare costs—with confidence, accuracy, and peace of mind.

Start your protection with HealthLock+ today!

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Sign up today for special pricing.

Become a member and get access to everything we have to offer. Our all-inclusive membership helps you protect yourself and your family from medical overbilling, fraud, and identity theft.

†Historical Claim Analysis and 6-month Retro Audit and Recovery are provided once per member lifetime only during initial enrollment.