What is the process for negotiating a medical bill or claim?

After connecting with your insurance company, HealthLock’s technology automatically syncs and reviews your claims for potential issues such as errors, fraud, or overbilling. If a possible problem is detected, the claim is flagged and you’ll receive a notification that there may be an incorrect charge.

Step 1: Start the Review

When you click “LOWER MY BILL” on a flagged claim, our team begins a comprehensive review and negotiation on your behalf. We carefully investigate for billing errors, fraudulent charges, or overpayments, and work directly with your provider and/or insurance company to resolve the issue.
In some cases, we may also submit an appeal on your behalf.

Step 2: Stay Informed

You will receive updates throughout the process, and we’ll notify you as soon as the case is resolved.
If a refund is owed, it will be sent directly to you from your provider or insurance carrier. In certain cases, we may also be able to negotiate a discount if a bill is paid in full by a specific date.

TIP: Keep an eye on your inbox for messages from HealthLock—responding quickly helps us keep your Case moving smoothly.

Step 3: Resolution Timeline

The negotiation process can take time, as providers and insurance companies typically have up to 60 days to respond.

With over a decade of experience, HealthLock has achieved a high success rate in negotiating claims and bills on behalf of our members, saving them both money and stress.