What are HealthLock’s claim and bill negotiation services?

When you click “LOWER MY BILL” on a flagged claim, a Case is opened in our system and our team begins the process of reviewing and negotiating on your behalf.

We thoroughly investigate the claim for errors, fraud, or overcharges and work directly with your provider and/or insurance company to resolve issues and negotiate lower payment amounts. In some cases, we may also submit an appeal if it helps achieve a better outcome.

Throughout the process, we’ll keep you informed and notify you of all updates and final results. If a refund is due, we’ll email you, and the funds will be sent directly from your provider. In certain situations, we may even negotiate a discount if a bill is paid in full by a specified date.

Please note that this process can take up to 60 days, as providers and insurance companies are allowed that timeframe to respond. With over a decade of experience, HealthLock has a strong success rate in negotiating claims and bills on behalf of our members.

For the best results, keep an eye on your notifications and member portal messages and respond promptly if we request additional information.