Why is a credit card required for a free membership through Mastercard?

Modified on Fri, 14 Nov at 1:34 PM

If you’re wondering why a credit card is required—even if you’re receiving a free membership through Mastercard—here’s why:


Through our partnership with Mastercard, eligible members receive exclusive plans and pricing, including ongoing access to HealthLock’s Medical Claim Monitor plan at no cost.


However, a payment method is required to be on file for any optional bill negotiation services you may choose to use in the future. These services are completely optional, but having a payment method on file makes it faster and easier should you decide to have HealthLock work on your behalf to help reduce medical costs or recover overpayments.


Your card will not be charged unless you choose to use one of these optional services.

If you have any further questions, our Customer Care team is happy to help.


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