My insurance provider offered the use of mail-order prescriptions at a reduced rate through Express Scripts Pharmacy. In order to take advantage of the savings, I contacted Express Scripts on their toll-free number.
I spoke with a customer service representative, who took my information (i.e. employer I.D., insurance information) and asked for a credit card to be placed on file. When questioning the representative prior to her asking for the credit card information, I was told that I would receive a hard-copy statement every three months for the medications that I ordered. I am a professional in the legal field, so I was careful to ask to be sure that the debit card I was using was only for identification purposes, and not to be used to charge medications to. The representative assured me that was correct.
Six months passed without incidence. I received the prescriptions for a three month period on the two deliveries over this six month period and was sent a hard-copy statement for same with the prescriptions. I paid the statements within a seven day period.
On the third refill for the three month period, Express Scripts automated system called to tell me that I needed a refill for one script from my doctor. Due to lateness in the day, I was not able to call the doctor until the following day, and I was then asked to leave a message on the refill line. Normally, this means there will be a delay of a few days for the doctor's office to fax the order to Express Scripts.
Two days later, after asking for the refill, I noticed a $70.00 charge to my debit card from ESI (which turns out to be Express Scripts Pharmacy). The charge was placed "On Hold", to be deducted in three days, which happened to be the Friday after Thanksgiving. I was irate. This was not the normal business practice, and I had not been informed any change in regard to the former practices of Express Scripts.
I called Express Scripts immediately and spoke with a supervisor. She related that the refill was faxed in two days prior to my actual telephone call to my doctor's office three days later! My doctor does not keep track of refills, and will not request them via mail order without my call to his office requesting that the script be faxed. So, in essence, it is my opinion that Express Scripts supervisor lied to me. Waitit gets better.
The supervisor then proceeded to relate that the medication was mailed to me two days prior to this telephone conversation, which would not happen since the doctor's office did not fax the refill until a day after Express Scripts said they mailed it out.
Then I asked if the police for the company had changed. She said no and added that Express Scripts uses the credit card on file to pay for the medications. I related the above and that in the initial contact with them, I was told that my debit card was to be used only for identification. She stood her ground, even when I asked that if the policy had changed, why had I not received a telephone call from them asking for another way of payment (i.e. another credit card)? She refused to respond. I also asked why I had not been informed in writing with a 30-day notice (as required under the law) and why Express Scripts would no longer transmit hard copies of statements. She said that they always deduct from the credit/debit card on file. This is not true, as I pointed out, since I had been doing business with them for six months and they always sent a hard copy statement to pay from. Plus, I related that I never once, during the time I was doing business with them, saw any charges through my debit card for prescriptions filled through their company. She again refused to answer me and immediately restated that the medication was mailed and repeated her mistruths above.
I called my bank and put a stop payment on the charge to Express Scripts. Today, I got a telephone call from Express Scripts, automated, relaying that the medication was shipped to me today! Are these people abusing their drugs or what?
Anyway, I called my bank, again, today when I got online and noticed that the "On Hold" for the $70.00 was pushed back three days for withdrawal. It's very strange since the funds were there for Express Scripts to withdraw. Evidently, somebody in the company realized that they had lied and it broke some interstate regulations.
The bank told me I could not put a stop payment on a debit card, so it reimbursed me for the fee of $35.00 for the stop payment. They further related that though I closed the debit card on that account, because Express Scripts had charged my account prior to closing the charge of $70.00 would be deducted on the updated date, three days hence. Something is most definitely rotten in Denmark.
I must mention that during my conversation with Express Scripts, I told the supervisor to stop the use of my debit card in regard to my scripts. She assured me that it would be done. However, since I did not trust her, or the company at that point, I deactivated the card.
I am angry because I was lied to repeatedly. I was not notified that Express Scripts were going to deduct from my account using my debit card, nor was I ever contacted by them to ask for another form of payment. The hard copy statements had been in effect and working for six months prior to November, 2011.
It's my concern that even with the HIPPA rules in place and with the above convoluted mistruths from Express Scripts Pharmacy supervisor, my medical information may not be safe, let alone my personal banking information!
I called my insurance carrier after gathering the above information and filed a grievance. It is my hope that my carrier will rectify this matter, or at the very least, clarify the manner of payment for me. As an aside, the customer service representative for my insurance carrier told me that she knows for a fact that Express Scripts send hard copy statement with the medications and that the above is not standard practice.
If so, Express Scripts Pharmacy is breaking the law. I will contact the Attorney General in my state to file a complaint against this company.
The sad part is that my insurance carrier does not provide any other mail order pharmacy services for my use. I do not know what is happening in the business world as I am retired; but if I had given any incorrect information to a client, I would have been fired. Note that not only did the Express Scripts Pharmacy supervisor lie to me, but my bank, also, provided me with incorrect information regarding the fee to stop payment on this debit card deduction.
It makes me wonderare people not intelligent enough to learn to do their jobs correctly? Even when the information they need to know should be committed to rote memory after a period of time? And why didn't these individuals check their facts? Plus, when a supervisor outright lies to you, be afraid, and I am.
I'm waiting for my insurance company to review my grievance statement. If the outcome finds in my favor and Express Scripts is forced to continue in its prior form of doing business with me, I will contact the Attorney General. I may do it regardless. I wonder if other people are experiencing this problem. Many customers using this service are elderly and may not have the use of a computer to check their accounts. If so, they unpleasantly discover that their accounts are in the negative, which costs money to rectify. I feel sorry for those of us living on Social Security Disability, let alone those who live on Social Security and may be very elderly and unaware of what is happening.