HealthLock Plus is your personal watchdog in a complicated and error-prone healthcare system. It securely connects with your insurance to automatically flag billing errors, appeal wrongful denials, negotiate with providers, and help you recover money if you've been overcharged. You also get 24/7 monitoring for privacy breaches and identity theft—plus an easy-to-use dashboard where you can view alerts, manage claims, and request help at any time. Every mistake in your medical billing can cost you—sometimes thousands. HealthLock Plus gives you the control, protection, and peace of mind you deserve.

HealthLock Plus syncs with your insurance provider. Then it uses secure, proprietary technology to monitor your medical care providers, your medical bills, and your medical costs.  HealthLock Plus will send you alerts if there are inconsistencies, ensuring that your doctors are keeping your privacy and that you are not overpaying for medical services.  If you do overpay, we can negotiate on your behalf, and you will get 100% of the money that we recover. 

We also use DeepAudit Technology to monitor if your personal information has been exposed by a data breach or if your identity becomes compromised.  We send out alerts if we detect potential threats and help you stay safe from cybercrime.

HealthLock Plus may be new to the general public, but the technology behind it has been years in the making. In fact, it’s the first platform in the world to connect directly with healthcare carriers to automatically scan your insurance claims, flag potential problems, and help protect your privacy and savings. This advanced technology has already been trusted for years by some of the most high-profile and wealthy Americans—and now, it’s finally available to everyone.

Because trying to stay on top of medical bills, insurance errors, and data breaches on your own is overwhelming—and costly. HealthLock Plus automatically audits your insurance claims, flags billing mistakes, monitors for medical fraud and identity theft, and alerts you to data breaches—all without you lifting a finger. Instead of spending hours reviewing line items, decoding billing codes, and calling provider offices, you can log in anytime to view alerts or, with one click, request help negotiating denied claims or recovering overcharges. HealthLock Plus does the heavy lifting so you can focus on your health, not your paperwork.

Yes. As a HealthLock Plus member, you can request that we negotiate with your insurance company or healthcare provider on your behalf. If a claim is flagged for potential errors or overbilling, simply click the “Lower My Bill” button in your dashboard. One of our dedicated Personal Reimbursement Specialists will review the claim, investigate any discrepancies, and—if savings are found—negotiate for a refund. 100% of the money recovered is returned directly to you.

HealthLock Plus can also assist if your insurance unfairly denies a medical claim. We’ll step in to challenge the denial, contact your insurance provider, and advocate for a reversal. Our team handles the follow-up persistently and efficiently—so you don’t have to spend hours chasing what should’ve been covered.

After becoming a HealthLock Plus member, you’ll be prompted to sync your account with your current health insurance provider. To complete this step, you’ll need to have an existing online account with your insurer, as you’ll be asked to enter your login credentials. If you haven’t set one up yet, you can typically do so on your insurance provider’s website.

While you can skip syncing and manually upload medical bills into the system, syncing automates the entire process—ensuring your claims are monitored in real time without any extra effort.

HealthLock Plus currently syncs with over 250 health insurance carriers nationwide, and our network continues to grow. If you don’t see your provider listed, you can request that it be added. To view the full list of supported carriers—or to submit a request—visit our Carrier List page.

If your insurance provider isn’t listed on our Carrier List page, you can request that it be added by filling out a short form. Our team will contact the carrier and typically complete the integration within 24 to 48 hours. In some cases, it may take a few extra days depending on the provider’s systems—but we’ll keep you updated every step of the way.

Yes. HealthLock Plus can sync with your medical, dental, and vision insurance plans—helping you monitor all types of healthcare claims and avoid overbilling across the board.

Yes. HealthLock Plus syncs with Medicare, giving you a simple, organized way to view your healthcare documents all in one place. You can track doctor visits, prescriptions, and bills—automatically sorted by date. If something looks wrong, HealthLock will alert you right away.

To sync with Medicare, you’ll need an online account at Medicare.gov. If you don’t have one yet, you can create it by visiting their website. Once you’ve joined HealthLock Plus, just enter your Medicare username and password to connect your plan and start monitoring your claims, bills, deductibles, and more.

No problem. HealthLock Plus allows you to sync with multiple insurance carriers under a single membership. If your household has different providers, you can connect each one—as long as you have an online account set up with each insurance company. When you're ready to sync, you'll simply enter the login credentials for each provider.

Becoming a HealthLock Plus member is quick and easy! Just create an account and you'll be guided through a short sign-up process, where you'll enter your information and choose a monthly or yearly subscription plan.

After joining, you’ll be prompted to securely sync your insurance information—giving you access to all your medical bills and claims in one convenient dashboard. You’ll also have the option to sync key personal details, such as your Social Security number, driver’s license, or passport, to activate full identity protection and breach monitoring.

With everything connected in one place, you can track medical expenses, get real-time alerts, and take action with just a few clicks—no stress, no hassle.

HealthLock Plus membership is just $29.99/month and includes 24/7 monitoring and protection. Discounts are often available when you choose to pay annually.

Even better—one membership covers your entire household. That means your spouse, children, or parents living at the same address are all protected under the same plan, at no extra cost.

Yes.  There is no long-term commitment when you become a member, so you can cancel your membership anytime you wish.  We offer both monthly and yearly subscriptions, so you can choose which option works best for you.

If you're not satisfied with HealthLock Plus within the first 60 days of your membership, we’ll refund 100% of your monthly or annual membership fee and cancel your account—no questions asked. The 60-day period begins on the day your credit card is first charged.

Please note: This guarantee typically does not apply to business plans or enterprise memberships.

Yes—one HealthLock Plus membership covers everyone in your household. This includes your spouse, children, and even parents living at the same address. If you're caring for an aging parent who lives with you, they may be eligible for coverage at no additional cost. We recommend checking with customer service to confirm eligibility.

If your family uses more than one health insurance provider, your member account can be synced with all applicable carriers.

Yes. HealthLock Plus uses industry-leading security protocols to protect your personal information. For over a decade, our technology has been trusted by high-net-worth individuals and celebrities to safeguard their private medical data.

All member data is encrypted both in transit and at rest, and strict internal access controls ensure that only authorized HealthLock Plus team members can view assigned accounts. USB ports are disabled on employee devices, and we utilize bank-level security standards to help keep your information safe and out of the wrong hands.

HealthLock Plus uses proprietary DeepAudit™ technology to continuously monitor your personal and medical information for signs of fraud, data breaches, or identity theft. You'll receive real-time alerts if your information is compromised—so you can act quickly to stop potential threats before they escalate.

You’ll also receive a personalized Medical Privacy Risk Score, which helps you understand your current exposure based on multiple risk factors.

In addition, our U.S.-based support team is available to help with malware, ransomware, and virus removal, as well as Wi-Fi optimization and home internet troubleshooting. And if fraud or identity theft ever occurs while you're a member, HealthLock Plus will work with you to help restore and protect your information.

If your identity is compromised while you're a HealthLock Plus member, U.S.-based specialists are available 24/7 to guide you through the recovery process. They can assist with restoring accuracy to your credit reports, medical records, and other critical personal information.

As a member, you’re also covered by $1 million in identity fraud insurance, which includes optional benefits like cash recovery for unauthorized electronic fund transfers.

HealthLock Plus offers two distinct layers of protection:

• Medical Claims Monitoring automatically scans your insurance claims for billing errors, duplicate charges, and denied claims.
• Identity Protection is a separate feature that monitors the dark web, data breaches, and known fraud networks to detect if your personal information is being misused—such as your Social Security number, driver's license, or email address.

While claims monitoring helps you catch financial errors in your healthcare bills, identity protection helps guard your sensitive information from theft and fraud.

HealthLock Plus continuously scans global threat databases, breach networks, and the dark web for signs that your personal data has been exposed or misused. If any of your information is compromised, you’ll receive real-time alerts, giving you the opportunity to act quickly and reduce the risk of full-blown identity theft.

The more personal details you choose to enter—such as your Social Security number, driver’s license, passport number, email addresses, phone numbers, gamer tags, and more—the more comprehensive your protection becomes.

You can access identity protection features through the "Security Center" or "Identity Protection" tab in your HealthLock Plus dashboard. From there, you can securely enter the personal information you'd like monitored, including:

• Social Security number
• Driver’s license number
• Passport number
• Bank account details
• Phone numbers
• Email addresses
• Gamer tags and usernames

All data is encrypted and used solely for identity scanning. The more details you provide, the broader your coverage—helping HealthLock Plus detect fraud early and keep your personal information safe.