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55 Reviews & Complaints

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Shame on Medco Health Insurance - Beware of Them!
Posted by Beenwrongedbymedco on 12/20/2008
MISSOURI -- I'm devastated! Medco was to mail me my RX to start my LIFE & DEATH treatment & now they are denying me any coverage on the RX. They are uninformed, do not care, rude, crude & careless with others lives. My Dr. and lab/blood tests show I need this treatment & who is Medco to deny me? They are not a real insurance company, they are a bunch of idiots sitting at a desk enjoying playing God! How do they sleep at night with what they are doing to others? Please if you have Medco and have no choice since it's through my husbands job, then beware all of you! They did this to me & they can do it to you or your loved ones too!

Everyone needs to write to them & let them know they can't legally play God - or can they????? Their doing it..

     
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Posted by Soaring Consumer on 2008-12-20:
Get an attorney and sue them. They should not deny this treatment.
Posted by dan gordon on 2008-12-20:
you write a very emotional 'complaint' but do we know what drugs are covered under your policy? Its not Medco denied you anything. Its your husbands policy only allows prescriptions be paid on certain families of drugs. Go buy the drugs retail, its Not MEDCOS fault your policy doesnt' cover the drugs your dr prescribed.
Posted by Anonymous on 2008-12-20:
If it was a life and death treatment your physician would not have permitted you to begin treatment using a mail service pharmacy. Life and death treatments begin with medication being provided in an acute care facility or hospital setting. If treatment was to continue at home and if you are still at risk for death using a retail pharmacy that can provide specialty pharmacy services would have been your next step. Medco does not have the power to deny you your medication. They can deny payment if the drug is not on your preferred drug list. It is your responsibility to know what is on your covered drug list. If you find the drug list is to limiting suggest to your husband that he should talk to his benefits department. Ask them to provide an enhanced prescription benefit. If his employer is willing to provide you with this service, you should be prepared to pay a higher insurance premium for it.
Posted by beenwrongedbymedco on 2009-01-29:
looks like dan gordon & JohnInSoCal must work for Medco Health Ins. & just found out their 401K is gone! I'm telling the unfortunate truth in this matter whether you want to belive it or not. This is still America so why should I be forced to use Medco or do without??? Better get your facts clear before you blog again about soemthing you know nothing of.
Posted by jktshff1 on 2009-01-29:
Why are you forced to use Medco? It is America and last I checked, you are free to find your own insurance.
Posted by beenwrongedbymedco on 2009-01-30:
How old are you people? do you not know things have changed in this country? I will not waste my time to blog again about this company. Read all the posts about it (not just from me) and you'll find out you do not know of what you speak! this is my ins. - have it or do without - some choice!
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We got screwed
Posted by Lilimadsn on 03/02/2011
Three years ago and a different employer ago - we had Medco and my husband had a drug that he got on a 90 day supply. We evidentially gave our checking account info for that drug online. Fast forward to current- he has changed employers twice in those 3 years- so his new employer also uses Medco. So his doctor faxes in a 90 day prescription and we get an email advising the drug has been shipped.

Confusion because we did not pay for it. After contacting customer service we were told that they transferred our checking info from 3 years ago and that is our submitted payment method. Ok - so three years ago and a totally different employer ago - we authorized you to bill our checking account.

Now you think you can transfer that to our current file? Problem is that account has been closed over a year.

Our employer has a $100 credit line clause in the contract that the mail order will contact you if over $100. MEdco claiming that since they had an authorized payment on file they did not have to contact us.

Once again this is from 3 years ago and actually 2 states ago. We have moved several times.
Had they notified us of the price we would have refused the drug as there is a much less expensive generic. But, they did not -they claim that they charge your checking account 10 days after they ship it.

So in all honesty at the point they shipped it - it was never charged.
So we can not refuse it as they say we owe it. We spent 3 hours getting nowhere. Their service was horrible. We were told that they only would take the medication back to destroy and not charge us if it was their error. But, this was our error.

We were told that we should have been "proactive" and called
them to make sure that our info from 3 years ago was not still on file.
Even though it is a new employer/new plan - seems very shady.
This seems illegal. We did not authorize them to charge us to an old checking account. Had they not transferred the old information we would have gotten a call before they shipped and it would have been canceled.
We were also told by customer service had we set up credit card payment 3 years ago - they would have called us because the credit card expiration date would not have still been valid.
So by using a check to pay for one RX 3 years ago - we have been screwed.
I woudl love any advice on how to proceed.
I can not imagine how badly everyone would be screwed if all companies operated like this.
     
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Posted by fast327 on 2011-03-03:
Medco magnifies the word "screwed" in every thing they touch.
Posted by getoverit on 2011-03-03:
I had a similar situation with Medco when I changed employers a few months ago. We did manage to get it straightened out but it took a lot of phone calls with their different reps giving out contradictory info. etc.

I'm inclined to agree that assuming that you want to use the same payment method on two separate accounts is probably not legal.

I'm also surprised that they sent out the medication before getting any authorization from the bank.

Several years ago, I had a health insurance claim that didn't get paid. I filed a formal appeal with my employer. They didn't make good on the claim but they did, over time, improve a lot of things in the health benefits program. I think that employee input like mine was a factor in those improvements.

I believe that employers are required to have an appeals process. That might be worth looking into.

Posted by trmn8r on 2011-03-03:
I am wondering if Medco would get a bunch of complaints if people in your situation *expected* the drugs to be paid for. I think that they might.

Since my payment information is on file, and my prescription rolls in, why not bill me and send me my order?

Quite simply, Medco had no reason to suspect or ask you if your checking account was closed. IMO it was your responsibility to contact all companies that had that number on file, and inform them the account was closed.
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Won't Pay My Aged Relatives Claim
Posted by Jkkmarket on 10/30/2013
KENTUCKY -- She is old. Putting together a claim form and taping the prescription and bill and mailing it from overseas is very difficult for the old lady. She has to pay for every penny of the medication's cost. Then she gets no money. She is out thousands of dollars..IS there anything more to say? Medco should be investigated.

Again. Shame on the US company she retired from for allowing this. Isn't there an honest claims processor to use?
     
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Lost Script, More Expensive, Rude & Unhelpful Customer Service
Posted by Cc8817 on 10/18/2013
LEXINGTON, KENTUCKY -- Doctor submitted 4 scripts to be filled. Received a call from Medco, after they left 4 messages on a business phone that doesn't get checked, confirming the 4 scripts and home address. Told them to please delete the number they have been calling and to add the home phone number. Put me on hold and came back saying it was all changed. After a week, my husband received more messages on his business line, finally got ahold of them and they needed a credit card number for my 3 scripts. Asked them where the 4th was, and they said they never received it. I told them that THEY told me there was 4 and they checked with me about all 4 of them. She didn't have anything to say. I questioned their pricing since I was supposed to be paying for 2 months and getting 1 free. My monthly charge for 4 meds are $70.21 (which is $210.63 for 3 months), they want $175 for 2 of the meds for 3 months.

How is this suppose to be saving me $$. I feel like this is such a scam. Making me go to them, but they are charging me higher prices for my meds. When told the customer service representative about this she just read from her little script that she is supposed to say to mad customers. Made me more upset.

     
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Medco Is a Horrible Company
Posted by Taj.marykay on 09/27/2013
Medco has messed up the deliver of my medication two prior times. I thought I will give them one last chance, and they LOST the prescription this time!!!

OMG, they are the WORST company to deal with, NEVER use them....

BEWARE!!!!!
     
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Terrible
Posted by Zhoun4 on 09/12/2013
ISSAQUAH, WASHINGTON -- I feel the same way as others, it worth 0 star if there is. About three years before, it was a very nice company, they sent me medicine after called me and made me confirm about the price and amount. Since the company was merged into another company called express scripts, it changed. They sent me medicine without telling me, they charge the price several times higher than other pharmacy. As I did not know the price before I got it, I would not know it is actually a big amount after I received it.

Recently my doctor faxed some prescription to there. I actually told her once that do not fax any prescription to Medco, but my information in the computer system has not been updated, so she did it automatically. After I went back home, I realized that my doctor fax the prescription to Medco not Costco, so I called them to cancel it, and they said that there is not any faxed prescription for me. After several days, I received the medicine, this is not the first time they did it and the medicine is originally cheap, so I did not care too much, but when I opened the envelope, I feel so surprise. The price is SO HIGH that I thought they must made mistakes.

Then I called them, and of course, they don't agree that they received my phone call and asked me rudely like "What do you want?" I asked one supervisor why the price of that specific medicine is such high, do you know what she answer? She said that because I have deductible, so they charged me that much. And she told me that she would call me between 24-48 hours to check if there was a phone call.

After several hours, I called my insurance company, and one staff had a call meeting among three people, one is me, another one is a staff is from Medco. This time I got to ask them if they checked my phone call, and I got the answer that immediately after that supervisor hung up, she left a message saying that I did not call to cancel at all and she did not really check. Then I asked that MEDCO stuff if they charged me the same price as other customers for the same medicine. He tried to avoid my question, and I asked several more times for the same question, finally he told me that their prices are based on the MARKET for that day, the price of their medicine changed all the time!

Imagine that a pharmacy is a stock market, and it just send medicine to you without telling you any information, it is just dangerous since there is no standard at all. I got an option from my insurance company that I can plea for it. I know that I could not get back my money anyway, I just feel regret that I wasted my whole day struggling for this foolish problem.

My conclusion is: First, telling doctors to remove contact with MEDCO. Second, in case the doctors send prescription accidentally, just forget that money as if you lose in stock market. Since it is a long lasting company and every staff in that company know clearly how to deal with all kinds of people. If you keep on “bothering” them, you will find out that finally you bother yourself much more.
     
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Hard To Say In Short Words
Posted by Linda7304 on 09/12/2013
ISSAQUAH, WASHINGTON -- I feel the same way as others, it worth 0 star if there is. About three years before, it is a very nice company, they send me medicine after call me and make me confirm about the price and amount. Since the company is merged into another company called express scripts, it changed. They send me medicine without telling me, they charge the price 3 times higher than other pharmacy. As you do not know the price before you get it, you will not know it is actually a big amount after you receive it.

Recently my doctor faxed some prescription to them. I actually told her once, not to fax any prescription to Medco, but my information in the computer system has not been changed, so she did it automatically. After I went back home, I realized that my doctor faxed the prescription to Medco not Costco, so I called them to cancel it, and they said that there is not any faxed prescription for me. After several days, I received the medicine, this is not the first time they did it and the medicine is cheap, so I did not care too much, but when I opened the envelope, I feel so surprise. The price is SO HIGH that I thought they must made mistakes.

Then I called them, and of course, they don't agree that they received my phone call and asked me rudely like "What do you want?" I asked them why the price of that specific medicine is such high, do you know what they answer? they said that because I have deductible, so they charged me that much.

I do not know what to say to those kind of people, they do not talk to you the normal way, they think you are their enemies at very beginning. Then I hung up and try to talk to my doctor to modify my information in computer system, so she will not fax the prescription to them any more.

It is not a big issue, but it makes me feel like I ate a fly. I know that I can not get my money back but at least, I will not pay more in the future.
     
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100% Dissatisfied
Posted by Kirstenparrott on 03/12/2013
I am 100% dissatisfied. The order process took over a week. After I didn't hear anything for half a week I called. From here I had to give them my correct information 3 times which for some reason no one could remember. Finally, I spoke with a young man who said once my credit card was charged that meant my RX had shipped. I told him I needed to take the RX on Monday and he assured me it would be here.

It is now Monday and still no RX, even though my card was charged. When I called the lady stated that it wouldn't ship until the 15th. In short, I am completely appalled with this company. Luckily their customer service was friendly or I would have taken this issue much further. However, I will share my experience with others and advise them to take their business elsewhere.

     
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Posted by Bill on 2013-03-12:
Have used Medco for years and never have a problem.
In fact sometimes I'm amazed at how fast the prescription is processed and shipped.

If you are sending them a paper script or a new script then you have to give it some time for the mail and processing.

If it's something you need immediately then have it filled at a local pharmacy and any subsequent refills with Medco.
Your doctors office should be able to handle that as well as filing electronically with Medco.
Posted by fast327 on 2013-03-12:
This is the very reason I will Never buy mail order medicine. Medco is always wanting us to do this, but the horror stories are compelling us to do otherwise. Especially with the unreliability of the US Postal Service and the cutting back of services. I have a good pharm just 5 minutes away and get excellent service with a smile. Forget it Medco! The only reason I'm stuck with them in the first place is because our prescription plan is admininstered by Medco.
Posted by trmn8r on 2013-03-12:
I loved using Medco. Used it for 5 years without incident.

It takes a week or two to get set up the first time, but after that it was clear sailing for me. The prices were good as well as the customer service. The website portal worked great too.

It's mail order, so it isn't the same as walking into a pharmacy. Some people find the switch no problem, others don't like it.

I was also an investor in Medco a few years later, and the company did well. No complaints.
Posted by Whiteduck on 2013-03-12:
I'm in between. I like the convenience of going to a local store, but the price @ Medco for my stuff is quite a bit cheaper. There were growing pains with my stuff as they kept saying it would be shipped on the 15th also (hey, why not right now?) but it wasn't. That date kept changing. Finally got a paper bill in the mail for the amount even though I had entered a credit card on my account. That was what was holding it up. Went online and pointed the transaction to the credit card and got the stuff within 2 days.

So, pros and cons in my mind.
Posted by Old Timer on 2013-03-12:
We ended up with these buffoons when our script company merged with them. None of our open scripts auto transferred as promised. We had to ask our doctors(s) to call them, then our doctors(s) were hung up on and left on hold forever. Not something doctors deal with very well. Took many, many weeks of repeating the same thing over and over to some pretty half witted CSR's to get things working right. Things seem to be OK now, but it took us almost six months of grief in dealing with these bozo's to get it right.

(Our insurance gave us no other choices or options, other than to pay full price if we wanted too)

Great review, and voted it as such!
Posted by Adrienne on 2013-04-24:
I agree. I hate Medco. If I didn't have to use them for 90-day prescriptions I wouldn't. The information from the service rep's is inconsistent. They know they have a monopoly and couldn't care less about us the consumer. Wish I had another mail order option! This a 10 year opinion. In all my 36 transactions with them, I have had maybe 4 go through smoothly without having to call and cause stress and havoc over their silly process. Very dissatisfied customer.
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Medco Prescription Service Is Horrible
Posted by Knothughes on 01/20/2013
SEATTLE, WASHINGTON -- Medco mail order prescriptions are unreliable! I have had to remove 4 prescriptions over the past year due to their inability to complete refills. Their Worry-free refill program does not work - prescriptions not refilled in timely manner, do not contact physician to renew refill, etc.. I am moving prescriptions back to Walgreens. They have now changed their name to Express Scripts most likely due to the poor service.
     
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Posted by Anonymous on 2013-01-20:
Express Scripts bought Medco.
Posted by trmn8r on 2013-01-20:
I loved Medco when I used them for 3 years from 2003 to 2006. I did do my own reordering and contacted the doctor when a precription had to be renewed - being mail order it does present some issues that take getting used to. Sorry it did not work ot for you.

Express Scripts and Medco merged - that is why the name changed, not because they are trying to hide something.
Posted by ok4now on 2013-01-21:
So far Medco has been reliable and timely with their refills. They first contact me by phone with a recorded message then by email when a script will be renewed. They conveniently bill my C.C. so the entire process is fast and easy. This works for me.
Posted by Bill on 2013-01-21:
Never had a problem with Medco. You need to manage your account yourself though.
Order refills on-line and give them a week to ten days to be sure although mine have always arrived within 5 days.
Don't rely on them to contact your doctor, do it yourself or get a paper script from the doctor and mail it in. Medco/Express Scripts provide the form and postage free envelope.

We have been using them for apprx 8 yrs and never had a problem.
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Medco Mail Order Ripoff
Posted by Paulfromoh on 01/15/2013
FAIRFIELD, OHIO -- I called Medco worried because I knew my health insurance was going thru the roof after the 1st of the year and I needed to get my 90 supply ordered before that happened. I was told several times that my order would be requested on December 28th and sent out after the first of the year, but not to worry because it would still be processed under my old insurance.

I called again before the end of the year and was told everything was fine... called again after the first and was told everything was good but it had not shipped yet... called again today and was told they were going to process it under the new insurance and instead of costing $90 it was going to be over $1000 and there was nothing they were going to do about it!!!

This company lied to me and drug their feet in order to delay the processing and get a bunch more money. Too bad I don't have it and I have no idea how I am going to be able to continue paying for my meds at this price.

One thing is for sure, Medco will never see another dime of my money and I will post this message anywhere I can find to put it!
     
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Posted by trmn8r on 2013-01-15:
Medco is a good company.

Your issue appears to have a lot to do with your insurance, and it isn't clear there was any intent on the part of Medco to defraud you.

I used to order using the 90-day supply all the time. They can't ship that until you have a limited supply on hand by law I believe, which is why they gave you a future date.

As to what happened in this window of only a few days, it isn't clear. What date did you call and you were told everything was ok? I would have called on the 28th or 29th to see it had been processed.

Using a mail order pharmacy can be very convenient, but when things are time sensitive it can be a pain.
Posted by ok4now on 2013-01-15:
I just started using Medco a few months ago and noticed that they are slow to process prescriptions. They really dropped the ball in your case. You took the time to call, verify and confirm that your 90 day supply would be processed on time. There is nothing else you could have done, you trusted them.

I don't believe that they intentionally delayed your order. Surely they realize if you were paying $90 your not going to pay them $1000. Shop around, you can do better.
Posted by fast327 on 2013-01-15:
Trusting Medco with your prescriptions is like trusting the Federal Government with your taxes. they are going to do what is in their best interests, not yours.
Posted by Anonymous on 2013-01-15:
You have to use a certain percentage of your medications before you can order another refill. Sounds like you were ordering too soon for the meds to be shipped.
Posted by Joe on 2013-08-26:
Medco prices are high. You may be better off with no insurance. At least then you can use a pharmacy discount plan.
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