Medco's Outbound Number 877-474-1126 is one of the phone numbers that Medco uses to make outbound calls.
The reason you're being called is that Medco, which now operates as Express Scripts (Evernorth Health Services) thinks you have an outstanding balance on a prescription, co-pay, or other charge related to your pharmacy benefits account in your name. These calls are first-party debt collection calls from one of the largest PBM companies in the United States.
The company is large enough that once it has decided you owe it money, it can make automatic calls to you for months or even years without a human ever reviewing whether the debt is valid or whether your insurance should have paid the charge. The first step to getting the calls to stop permanently is understanding who's calling you from this phone number.
Who's Calling You from 877-474-1126
Company Name: Medco Health Solutions (operating as Express Scripts / Evernorth Health Services)
Parent Company: The Cigna Group
Company Type: Pharmacy benefit manager (PBM) and first-party creditor
Industry: Healthcare/pharmacy benefits
Headquarters: St. Louis, Missouri (Express Scripts); Bloomfield, Connecticut (Cigna)
Company Size: Approximately 123.6 million pharmacy customers; Evernorth generated approximately $234.95 billion in revenue in 2025
Geographic Area Served: National, with a network of approximately 60,000 retail pharmacies and international operations in 30+ countries
Notable Clients: Private and public employers, health plans, labor unions, government agencies (including TRICARE, the Department of Defense prescription program), Medicare Part D plans, and CalPERS
Better Business Bureau (BBB) Rating: Not BBB Accredited (multiple locations); Las Vegas location not accredited for failure to resolve a pattern of complaints
Regulatory Actions Against Medco
If you have a bad feeling about these calls, your radar is functioning properly. Medco Health Solutions (now Express Scripts) has been the target of multiple regulatory enforcement actions that resulted in hundreds of millions of dollars in fines and settlements.
We'll go into details later in this article, but here's the short version: you're dealing with a company that state and federal regulators have found to have engaged in serious wrongdoing on more than one occasion.
Why Is Medco Calling Me?
Medco's Business Model
Medco fills prescriptions. Express Scripts fills prescriptions. And both companies bill consumers for copays, coinsurance, and other prescription-related charges. This is the business of a PBM. If you're getting calls from 877-474-1126, it's likely because Medco believes you owe money for one of the following reasons:
Prescription copay or coinsurance
Mail-order prescription charges
Specialty medication charges
Unresolved insurance billing issues
The Automated Calling System
Medco uses an automated calling system to contact consumers. Consumer complaints describe it this way:
When I answered the call, no response was given. I hung up and called back, since I had the phone number on my cell. The automatic voice immediately mentioned some payment required, but did not provide who I had called. It then asked for my birthdate. —Source: WhoCallsMe
RoboKiller estimates that 18,700 calls have been made from this phone number as of this publication, based on 672 user reports.
Consumer Complaints
Consumers Describe the Calls
Let's review what consumers have to say about the calls from 877-474-1126:
Robocalls and Dead Air
I got a call from them on 11-5-18 at 2:32pm. Nobody home. They left no message. —Source: 800notes
…an automated one, very vague, about some order they couldn't process without more info. And no specific person with whom to talk. —Source: WhoCallsMe
Caller ID Issues
Some consumers have reported issues with caller ID for this phone number.
Aggressive Billing Demands
From a "pharmacy", female, heavily accented Indian voice, wanted $4000 put on my Credit card before she could send out a prescription for my husband. —Source: RoboKiller
The caller may have been a legitimate representative of Medco, or they may have been a scammer spoofing this phone number. Either way, this call was scary enough to cause the consumer to block the phone number.
I am forced by my health insurance to use Medco, but I do not mind paying more to someone who can provide better service. —Source: WhoCallsMe
This caller sums up the frustration. Many consumers can't choose who fills their prescriptions and handles their billing. The unwanted calls can feel coercive.
Medco's History of Regulatory Issues
Medco has been involved in several high-profile regulatory issues over the years. Here are a few examples:
2006: Medco Agrees to Pay $155M
In 2006, the U.S. Department of Justice announced that Medco Health Solutions, Inc. had agreed to pay $155 million to settle allegations that it had violated the False Claims Act. The allegations were brought by former Medco pharmacists who accused the company of engaging in the following conduct:
Canceling valid prescriptions to avoid paying contract penalties
Shorting pills from prescriptions
Failing to conduct proper drug utilization reviews
The total value of related settlements reached $185 million.
2004: Deceptive Drug Switching Practices
Twenty state attorneys generals reached a $29.3 million settlement with Medco Health Solutions in 2004. The company had been encouraging doctors to switch patients' prescription medications without properly disclosing the fact that Medco had a financial incentive to make the switch in the form of rebates from pharmaceutical manufacturers.
History matters. This history shows a pattern of the company prioritizing its own financial interests over transparency with patients. That's relevant when the company is calling you over a billing dispute.
Your Rights
Stop the Calls
You don't have to answer the phone when Medco calls, and you don't have to feel guilty about it. You have the legal right under federal law to request that the calls stop, and once you make that request, it's illegal for the caller to continue calling you.
But you don't even have to make that request to stop the calls. You can block the phone number. Blocking the phone number does not waive any of your legal rights or affect your credit report. It simply stops the calls.
Focus on Your Credit Report
The calls are a nuisance, but the real danger is what's happening on your credit report. If Medco or Express Scripts has reported a collection account, late payment, or other derogatory mark on your credit report, that's where the real action is.
The good news is that you have the right under the Fair Credit Reporting Act (FCRA) to dispute any item on your credit report that you believe is inaccurate, incomplete, or unverifiable. The credit reporting bureaus must investigate within 30 days. If they cannot verify the information, they are required to remove it from your report.
In most cases, simply disputing the item is enough to get it removed because the company reporting the information cannot provide the verification required under the law.
You may have more legal rights than you know. Federal and state laws offer additional protections and exemptions in cases like this that may affect what a debt collector can and cannot do, including wage garnishment, bank levies, and property liens.
Why You Need Professional Help
The FCRA and Fair Debt Collection Practices Act offer powerful protections for consumers, but maximizing the benefit of those laws requires an understanding of the technical aspects of credit report disputes that is not immediately apparent from reading the laws themselves. When to dispute, how to word the dispute, and what to ask for are all strategic considerations that affect the outcome.
Express Scripts is a huge company backed by the deep pockets of its parent company, Cigna. It has entire departments dedicated to ensuring the accuracy of the information it reports to the credit bureaus. A professional consumer advocacy firm that specializes in credit report disputes knows how to use the leverage points in the law to get results.
The best strategy is to file carefully crafted disputes through the credit bureaus that force Medco to verify every detail of what it has reported. Medco and Express Scripts fill hundreds of millions of prescriptions every year. The paperwork trail for any given account can be incomplete or scattered across different systems that don't communicate effectively with each other. Those holes in documentation are your opportunity.
A well-crafted dispute can expose them, and once the credit bureau has requested verification, if Medco cannot produce it within the allotted time, the bureau must remove the item. That's the law working the way it's supposed to work for you.
Conclusion
The calls from 877-474-1126 are coming from one of the biggest PBM companies in the country, and it has a history of regulatory issues. But that's not a reason to take the calls lying down. You don't have to answer the phone. You don't have to give your date of birth to a robot. And you don't have to accept what's on your credit report without questioning it.
Take Action Today
If you're getting calls from Medco or Express Scripts over a collection account or derogatory mark on your credit report, we can help.
FightCollections.com specializes in credit report disputes under the FCRA and Fair Debt Collection Practices Act. Contact us today for a free consultation.
