HealthLock Plus: We fight unfair medical bills and take stress out of healthcare costs.

When former U.S. Surgeon General Dr. Jerome Adams went to the emergency room for dehydration, he expected a routine visit—and a manageable bill.

What he didn’t expect was a nearly $5,000 charge after insurance.

While traveling for work, Adams felt lightheaded after a day of hiking. Friends called an ambulance, and he received IV fluids, basic tests, and overnight observation. By morning, he felt fine and went home.

Weeks later, the bill arrived.

“If I had known how much it would cost,” Adams said,
“I would’ve gone home and drank Gatorade.”

Even with medical expertise and insurance, Adams was stunned. When he requested an itemized bill, several red flags appeared:

• His condition was coded as a Level 5 emergency, typically reserved for life-threatening cases
• Routine tests were billed far above regional averages
• Standard imaging carried unexpectedly high charges

Adams’ experience highlights a reality millions of Americans face every year: medical bills are often inaccurate, inflated, or confusing—and most people never question them.

If a former Surgeon General can be blindsided by a medical bill, anyone can.

His story is a reminder that patients have the right to ask questions, request itemized bills, and challenge charges that don’t seem right. But it also reveals a deeper problem: the healthcare system places the burden of vigilance on patients—after the bill arrives, when the damage may already be done.

That’s exactly why HealthLock Plus exists.

Instead of relying on patients to catch errors on their own, HealthLock Plus helps monitor medical bills in real time, identify potential overcharges, and provide expert advocacy when something doesn’t look right—before confusion turns into costly mistakes.

Because when it comes to healthcare billing, vigilance makes all the difference.
And no one should have to fight a broken system alone.

Click here to read the full story in USA Today

A new year often brings a fresh look at finances—and for many families, healthcare costs remain one of the most confusing and unpredictable expenses they face.

HealthLock Plus was built to change that.

Instead of waiting for billing errors to appear, HealthLock Plus helps members protect their healthcare dollars in real time—monitoring medical bills, identifying overcharges, and providing expert advocacy when something doesn’t look right.

The results speak for themselves. HealthLock Plus has already helped members protect and recover hundreds of millions of dollars from medical billing errors, overcharges, and fraud—and that number continues to grow.

As the new year begins, our mission remains simple: give people clarity, protection, and control over their healthcare—so costs don’t come as a surprise.

Because a smarter year starts with smarter healthcare.

Medical identity theft is one of the fastest-growing forms of fraud in the U.S.—and it's often invisible until serious damage is done. A stolen medical insurance card can allow someone else to receive care in your name, generate false claims, or leave you saddled with bills for services you never received.

At Healthlock Plus, we take a proactive approach to protecting your medical identity.

Our platform doesn’t just monitor—it actively scans for suspicious activity, flags potential billing fraud, and provides expert support to help you resolve issues quickly and effectively. We’re connected to over 250 insurance carriers, enabling us to detect errors and unauthorized activity in real-time.

Healthlock Plus includes:

• Real-time claim monitoring and error detection

• Alerts for unusual activity or potential fraud

• Identity theft protection tools for your entire household

• Support from U.S.-based specialists available 24/7

Your health information is sensitive—and valuable. With Healthlock Plus, you gain more than peace of mind. You gain control.