Cut healthcare spend 25–35% with what you already have.

No plan redesigns. No endless audits. No switching carriers. Just real, measurable savings for the dealership and the people who work there.

50%
of medical bills contain errors
80%
of hospital bills contain mistakes
850M
claims denied every year in the U.S.
$325B
lost annually to waste, fraud, and overbilling

Source: HealthLock industry data. Less than 1% of denied claims are ever challenged.

The Problem

You cover your employees’ healthcare. The system works against you.

Every day, millions of health claims flow through the system unchecked. Coding errors. Duplicate charges. Inflated costs. Wrongful denials. Most are never caught — and the dealership is the one paying the difference.

Dealership service bay — every claim routed through Elysian
The Fix

An IRS for your healthcare spend — built to find mistakes before you pay.

HealthLock’s claim-protection layer audits every claim the moment it’s filed, scanning against billions of verified records. It catches coding errors, unbundled procedures, duplicate charges, and wrongful denials before the money ever leaves your account.

When mistakes have already gone out the door, the recovery team works directly with carriers and providers to reverse them and return 100% of recovered dollars to the dealership and the employees who earned them.

What Your Team Gets

Every protection your employees need, in one platform.

Built on a decade of claim-auditing technology the healthcare industry said couldn’t be done.

Real-Time Claim Audit

Every claim scanned against billions of verified records the moment it’s filed — errors flagged before payment goes out.

Expert Recovery Team

When something slips through, our team works directly with carriers and providers to reverse charges, file appeals, and recover the dollars.

Claim Denial Assistance

27% of insured adults have a claim denied each year. Less than 1% ever challenge it. We do, and we win.

Claims Tracker Dashboard

Every claim, every provider, every document — one secure dashboard. Phone, email, or chat support from healthcare experts.

Bill Negotiation

A personal Reimbursement Specialist negotiates outstanding medical bills directly with the provider on the employee’s behalf.

Two-Year Historical Review

At enrollment, we look back at up to two years of past claims for errors and overcharges, plus a 90-day rolling retro-audit going forward.

24/7 Privacy & Breach Monitoring

Continuous monitoring for HIPAA violations and data breaches at every provider your team has visited.

Medical Identity Theft Remediation

Suspicious activity is investigated and resolved end-to-end — the kind of thing employees rarely catch on their own.

Employee comparing medical care providers on a smartphone — like shopping for airline tickets
My Medical Shopper

Employees can finally shop for care like they shop for airline tickets.

Compare doctors and procedures by cost, quality, and real performance — powered by ProCore, a ranking system built on actual claim history (specialization, experience, procedural volume), not online reviews.

Price differences for the exact same treatment can run 20×. Dealers can offer deductible credits and cash rewards to employees who choose top-performing providers, multiplying the savings on both sides.

How It Works

Five steps. One platform. Built into the system you already have.

1. Connect

Sync existing insurance accounts — fully insured or self-funded, 250+ carriers and TPAs supported.

2. Monitor

Every claim audited in real time. Provider privacy and breach monitoring runs continuously in the background.

3. Alert

Members are notified when something looks wrong — an error, a denial, a suspicious charge.

4. Negotiate

Specialists step in on overcharges and denials. The employee never has to navigate the system alone.

5. Protect

Identity-theft and fraud cases are investigated and resolved. Recovered dollars come back to the dealership and the employee.

Why Dealers Care

Built into your existing plan. Pays for itself in the first 90 days.

No Plan Disruption

Sits on top of whatever medical coverage you already offer. No new RFP. No carrier switch. No renewal cycle.

Family Coverage Included

Protection automatically extends to spouses, dependents, and aging parents who share the home — at no additional cost to the dealership or the employee.

Positive ROI in 90 Days

Most companies see returns inside the first quarter and continue to compound 25–35% year-over-year savings instead of facing the usual premium increases.

“

For too long, health insurance has been a locked box — impossible to see inside and impossible to control. We built this to open the box and give control back to the people who pay the bills.

— HealthLock Plus for Business

See the recovery math for your dealership.

Tell us your headcount and we’ll model the expected first-year savings — the audit, the recovery, and the ROI window.

Run the Numbers