Ways HealthLock helps lower your medical costs.

HealthLock helps you save money and reduce medical costs in several key ways:

• Data Breach Alerts:
  We notify you whenever we detect a data breach at one of your healthcare providers. Knowing about a breach early can help you spot and stop potential medical fraud before it leads to unauthorized charges.
  
  

• Medical Fraud Investigation:
  If you notice a claim that looks suspicious or potentially fraudulent, let us know. Our auditors will investigate, work directly with your provider and insurance carrier, and help resolve fraudulent claims that could result in incorrect bills, collections, or medical record errors.
  
  

• Claim Overcharge Detection:
  Every claim is analyzed by our system. If we identify a potential overcharge or billing error, we’ll flag it and alert you so you can take action—or let us handle it for you.
  
  

• Bill Negotiation:
  Don’t want the stress of negotiating with providers or insurers? Use the “LOWER MY BILL” feature, and we’ll handle it for you. For some plans, a shared-savings fee applies—meaning you’ll only pay a portion of the savings if we successfully reduce what you owe or recover money on your behalf. 
  
  

• Denied Claim Support:
  If your insurance denies a claim, we can help you challenge it. Our auditors have overturned countless denials by working with your provider and carrier to ensure your coverage is applied correctly. To begin, we’ll need details such as a denial letter, a bill showing a denied amount (often marked “not covered”), or an Explanation of Benefits (EOB) listing the denial. Once we have this, we’ll start working to start the appeal process and resolve the issue.