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.

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.

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!

When you think of financial security, you probably think of savings accounts, investments, or budgeting apps. But here’s something most people overlook: your medical bills. Behind every healthcare visit is a complex trail of insurance claims, billing codes, and payment systems—and that’s exactly where costly mistakes and fraud can hide.

HealthLock+ exists to protect you from all of it.

Most patients never know when they’ve been overcharged. And even fewer have the time or tools to investigate their bills, track down errors, or contest suspicious charges.

That’s where HealthLock+ steps in. Here’s how we help protect your financial future:

• Claim Scanning & Error Detection:
  We connect directly with your insurance provider to scan claims in real time—flagging billing errors and inflated charges you might not see.

• 6-Month Retroactive Review:
  Our system looks back at the past six months of claims to identify overpayments and money-saving opportunities.

• Fraud Alerts & Support:
  If we detect something unusual, you’re notified immediately—and backed by a team of U.S.-based specialists ready to help resolve the issue.

• Built-in Identity Protection:
  Your personal data is also monitored to defend against medical identity theft, one of the fastest-growing financial threats today.

Medical fraud isn’t just a health issue—it’s a financial one. With HealthLock+, you’re not only protecting your health—you’re protecting your wallet.

The American healthcare payment system is riddled with errors, fraud, and confusion—costing patients time, money, and peace of mind. With 80% of medical bills containing mistakes and health record breaches skyrocketing, it's no wonder so many feel lost and unprotected.

That’s why Mastercard has partnered with HealthLock, a powerful platform that brings transparency, control, and security to your medical billing.

Using machine learning and deep industry expertise, HealthLock automatically reviews and monitors your insurance claims, flags potential billing errors, and alerts you to savings—all from a simple dashboard. It’s the same type of continuous fraud monitoring Mastercard has used to protect billions of financial transactions—now applied to healthcare.

“Most people live paycheck to paycheck. An unexpected $500–$2,000 medical bill can lead to homelessness or hunger.”
– Jonathan Anastasia, Executive VP, Mastercard

Whether it's a billing typo, a misclassified procedure, or full-blown fraud, HealthLock finds what most people would never even know to look for—and helps correct it.

Now available for millions of U.S.-issued HSA and FSA Mastercard holders—with more expansion on the way.

It’s not just about stopping fraud. It’s about protecting lives.

Medical billing errors and identity theft don’t just target individuals—they affect spouses, children, and even aging parents living under your care. That’s why HealthLock+ was designed to protect your entire household—all under one membership, with no added fees.

Whether you're a busy parent managing appointments for your kids or supporting elderly parents at home, HealthLock+ gives you the power to protect every claim, every identity, and every dollar.

Every plan includes, at no additional cost:

• Medical billing error detection for each family member

• Identity theft protection for all covered individuals

• Real-time alerts for suspicious activity or overcharges

• Monitoring for Social Security numbers, insurance IDs, passports, credit cards, and more

• $1 million in shared identity theft insurance

• One simple dashboard to manage it all

No extra subscriptions. No surprise add-ons. Just full-service protection for your entire household—because your family’s well-being deserves it.

Take control. Save money. Protect everyone.
Get started with HealthLock+ today