MAJOR REASON: MEDICAL CLAIMS WITH ERRORS, FRAUD, AND OVER CHARGES BY PROVIDERS; THIS HAS BEEN OCCURRING FOR DECADES!

ONE SOLUTION:

**THE FOLLOWING... Most people have seen the following television advertisements: -LifeLock which prevents and restores one's identity and financial life from identity theft. -TitleLock which prevents and restores one home and financial life from title theft.

NOW, there is a new kid on the block to tackle similar restoration efforts against healthcare fraud, which has been an issue for decades!

It is HealthLock (HL), and it can reconcile this issue and reward money back to Employers and Employees, who were unjustly and unfairly taken from them. Below is the story of what HealthLock can do and achieve. 

**Please note the following bundled plan is only available to employers that employ 50 or more W2 employees where the employer offers a major medical insurance healthcare plan to the employees. The plan is at zero net cost to the employer or the employees!

HealthLock

Now there is a plan that could combine prevention and wellness savings with protection against fraud, breaches and denied claims, upfront cost clarity and provider choice before care as well as post care  protection?

The solution combines two powerful programs... Workplace Wellness Plan and HealthLock, to provide a comprehensive healthcare solution for employers and employees alike, working as an enhancement, not a replacement, of your current benefit structure. Both programs are currently saving millions of dollars for employers across the US and increasing pay for employees. With this bundled plan, employers have achieved an immediate 10-40% reduction in healthcare spending through preventative services, proactive billing oversight, waste prevention, and smarter employee care navigation.

HealthLock provides employers with tools and services to reduce healthcare costs and improve employee benefits by automating the review of medical claims for errors, fraud, and overcharges. Through its platform, employers receive real-time analytics and insights into their plans, which can help predict future costs and identify opportunities for savings. The service also helps protect employees by monitoring medical privacy, mitigating fraud, and improving overall employee satisfaction by reducing the stress of managing medical bills.

Actionable insights:

• The platform provides data-rich analytics and a clear road map to help decision-makers understand costs and future opportunities.
• Streamlined implementation: Implementation can occur in less than 60 days.

How it Works:

• HealthLock integrates with existing workforce healthcare plans to review every claim. 
• Its technology audits claims for errors, flags potential overcharges, and identifies fraud.
• It provides employers with real-time analytics and insights into plan performance.
• It offers employees privacy protection through 24/7 monitoring for data breaches and proactive medical fraud detection.

Statics:

• Many employees cannot participate in employer-sponsored plans due to cost. 
• 25% of employees avoid care due to financial concerns. 
• 27% of adults receive a denied claim each year, totaling $1.3 trillion in denials. 
• Only 1% of Americans appeal a denial or a claim payment because they lack data and resources. 
• 72% of employees don’t understand their benefits, billing statements or EOB’s. 
• 133 million healthcare data breaches occurred last year. 
• Up to 80% of hospital bills contain errors.

 Benefits for Employers:

• Cost reduction: By identifying and reversing overcharges and fraudulent claims, Health Lock can help lower a company's overall healthcare plan costs by or more annually.
• Employers are averaging $600 to $800 annually per employee in net savings. 

• No net out-of-pocket costs for employees or the employer. 

• Employers are realizing an immediate 10 to 40% reduction in healthcare costs. 

• Employers can offer employees a more robust benefits package that includes medical privacy protection, claim error correction, and assistance with negotiations, leading to happier and healthier employees.

Benefits for Employees:

• Employees receive a Hospital Indemnity Plan, which can be used to offset out-of-pocket costs such as deductibles and co-pays.
• Employees and their immediate family members receive a suite of benefits designed to improve their healthcare and well-being. 
• Employees see an increase in wealth through higher take home pay.
• The plan transforms healthcare complexity into clarity - helping employees see costs before care to make educated decisions and protecting them from errors after. 

This is a summary and explanation of how HealthLock when bundled with the Workplace Wellness Plan  (www.workplacewellnessplan.net), can create health and wealth and restore wealth that was taken unfairly and unjustly from Employers and Employees.

This information and plan package will inform both. This will be a door opener to help the workplace Employer and Employee and their children live a healthier and wealthier life. All at "No Net Cost" to anyone who enrolls through their workplace...

Example of Bundle to "Zero Out" HealthLock Cost:

This is what HeathLock (HL) bundled with Workplace Wellness Plan (WWP) zeros out the cost for the workplace Employers and Employees. The $600 savings from our Workplace Wellness Plan (WWP) offer pays for the /monthly/yearly cost, which $12 monthly X 12 months = $144 per year for the year cost of HealthLock. $600 - $144 = $456 net savings per year from bundled plan. Bundle both plans together to get this "No Net Cost" result.

Real Client HL/WWP Bundle Results:

225 Employee Lives - HealthLock Savings  

• $340,000 saved in first year
• 28% reduction in medical claims
• 92% employee satisfaction score

Adding HealthLock Savings

• $600 to $800 per employee savings annually
• $135,000 to $180,000 savings

Combined Savings

• $475,000 to $520,000 annually

3500 Employee Lives - HealthLock Savings  

• $3,100,000 saved annually
• 35% decrease in surprise billing
• 18% improvement in plan engagement

Adding WWP Health Savings

• $600 to $800 per employee savings annually
• $2,100,000 to $2,800,000 annually  

Combined Savings 

• $5,200,000 to $5,900,000 annually