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Medco Complaint - We got screwed
Complaint
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.
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.
Comments:
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.
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.
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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