HEALTHLOCK FOR MASTERCARD®

An exclusive offer for Mastercard partners

A true innovation in medical data and cost protection.

HealthLock for Mastercard

Bringing privacy, control and savings to Americans’ healthcare.

Cardholders can enroll here

As healthcare expenditures soar, the system is being overwhelmed

56%

of people are confused by health insurance¹

80%

up to 80% of hospital bills have errors²

171M+

patient records were breached in 2023³

People navigating the healthcare system are often vulnerable

People face steep hospital bills, complex insurance claims and fraudsters out to steal their personal medical data. With healthcare expenditures projected to reach $6.2 trillion by 2028,⁴ these concerns are amplifying daily.

Nurses conversing with a patient at the reception.

Medical data fraud is on the rise — and will only keep going up

50x more

Medical records are worth up to 50x more than credit card data on the black market⁵

59M+

patient records were breached in 2022⁶

Faced with all this, people seek support and empowerment

Protect my privacy

Ensure maximum around-the-clock protection of my personal healthcare data.

Give me control

Reduce the hassle of managing medical expenses and time spent reconciling bills.

Medical professional working on a laptop.

Save me money

Flag any medical bills that have errors and minimize my out-of-pocket costs.

Woman using contactless payment at a pharmacy.

HealthLock is the only offering of its kind

HealthLock delivers both medical data privacy and cost protection. Through a simple, digital platform, anyone can have an innovative, tech-driven solution at their fingertips to help ensure medical privacy, validate healthcare claims and receive money back on potential overcharges.

Monitors for medical privacy breaches and fraudulent claims 24/7

Tracks claims, deductibles and providers in a single dashboard

Evaluates each claim for payment accuracy against the cardholder policy, deductibles, copay and coinsurance

Negotiates with providers and payers to recognize reductions, resolve issues and rebuild medical records

In partnership with Mastercard

Mastercard has partnered with HealthLock as part of our ongoing efforts to protect customer data and create greater security. HeathLock has helped over 100,000 individual users collectively save over $130,000,000.

Group of doctors using a digital tablet at work.

How HealthLock connects, protects and advocates

Syncs

HealthLock synchronizes healthcare claim data between cardholders’ insurance providers.

Monitors

Custom-designed, analytics-driven technology reviews claims for errors and overcharges while monitoring for breaches and privacy intrusions 24/7.

Alerts

Users receive immediate alerts of potential overbilling, fraud or suspicious activity.

Negotiates

HealthLock negotiates with providers and payers to obtain payment reductions.

Protects

HealthLock proactively puts doctors and fraudsters on watch, 24/7.

Benefits

Personal empowerment in healthcare benefits all

BENEFITS FOR ISSUERS

Be first to market with a differentiating cardholder benefit

Build greater cardholder loyalty by delivering innovation

Drive incremental revenue by increasing cardholder’s disposable income

Offer relevant, proactive medical fraud and cost protection

Implement and manage with zero to low effort

Exclusive pricing for Mastercard cardholders

BENEFITS FOR Cardholders

Privacy

24/7 medical privacy and fraud monitoring

Control

Automated claim audits uncover errors and overcharges

Savings

Medical claim price negotiations and claims reversals

Enroll here

BENEFITS FOR CDH PROGRAM MANAGERS

Provide first-to-market, proactive medical fraud and cost protection

Differentiate yourself and add value to your current offerings

Deliver immediate (healthcare claims) and ongoing (healthcare claim auditing) value

Align your values with consumer protection and privacy concerns

Implement and manage with zero to low effort