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Bill Negotiation

Get your money back—$850 average per claim!

You could be losing hundreds or thousands of dollars to medical overbilling, upcoding, and fraud. There's an enormous lack of transparency when it comes to healthcare costs. Confusing billing codes and insurance jargon make it almost impossible to ensure you're paying the correct amount. HealthLock Plus flags potential issues with your medical claims and gives you the option to have our team of experts investigate, negotiate, and help you get your money back.

Choose Your Plan

HealthLock Plus has audited over $1 billion in medical claims.

We monitor your medical claims and can negotiate on your behalf if we find errors or evidence of fraud.

50%
of Americans feel confused by health insurance
30+
is the average number of days patients spend fixing bills
41%
of patients struggle contacting a provider's billing department
10+
years of experience negotiating for you

Let us negotiate for you.

When you become a HealthLock Plus member, you can request that we negotiate with your insurance companies and healthcare providers on your behalf. The following services are included:

Negotiation & Recovery

With just one click of a button, you can request that we negotiate on your behalf. And, best of all, 100% of the money we recover goes back to you.

Personal Support

One of our friendly Personal Reimbursement Specialists will work directly with you, being your single point of contact throughout the entire process.

6-month Retro Recovery †

If you don't recognize a doctor or bill, just let us know. We'll investigate to uncover whether it's an error, misuse of your information, or medical fraud.

Billing & Fraud Remediation *

Track the medical expenses you've paid out-of-pocket and view the amount that is left for you to pay until you meet your annual deductible.

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

$325 billion is lost to medical overbilling and fraud each year.

Get the support you need to ensure your money is not part of this statistic. When you join HealthLock Plus, you can think of us as your personal medical billing expert. Once a claim is flagged in your dashboard, you can simply press the "Lower My Bill" button. When you do this, a Personal Reimbursement Specialist will be assigned to you who can investigate the claim and negotiate to get your money back if there was an issue.

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 more as a member.

When you become a HealthLock Plus member, you get more than bill negotiation. The following are just some of the additional perks you receive:

  • Receive 100% of the savings we find
  • Protect all family members on your insurance
  • Add multiple insurances, including Medicare
  • Identity theft protection
  • Claim denial assistance
Choose Your Plan

Member Review

“Fighting cancer was hard enough—I didn’t have the energy to battle medical bills too. HealthLock Plus stepped in, saved me tens of thousands, and gave me peace of mind. They’ve been with me through every step—and now my dad’s a member too.”
—Jen C.
Los Angeles, CA
Jen Coyne headshot

Need assistance?

At HealthLock Plus, we are on a mission to make healthcare simpler, more secure and fairer for all. Our team of professionals is here to help you. If you need anything, please feel free to reach out. You can send us a message on our contact page and we will be happy to help you get all the information you need.

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