SilverScript Medicare Drug Coverage

In 2026, SilverScript will provide a Medicare Part D drug benefit known as SilverScript Choice. This plan will connect members to over 63,000 pharmacies nationwide and is designed to keep out-of-pocket costs low.

SilverScript is among the largest suppliers of Medicare Part D coverage in the U.S., offering plans across all 49 states and Washington, D.C. For the 2024 plan year, it became part of Aetna Medicare.

If you carry Medicare Part A and Part B, you might be seeking extra protection for prescription medications.

This article covers SilverScript’s prescription drug offerings for 2026, including a summary of the available plan and expected costs.

Which Part D plan does SilverScript offer?

For 2026, SilverScript is offering a single option: SilverScript Choice (PDP), which includes a minimum $0 copay for covered tier 1 drugs in certain pharmacy locations.

Members can use a nationwide network of more than 63,000 pharmacies and several thousand preferred pharmacy locations that provide extra savings. Another perk is reduced costs with 90-day mail-order refills.

How much does SilverScript cost per month?

Medicare Part D plans include different types of charges, such as deductibles, monthly premiums, copays, coinsurance, and other fees.

SilverScript Choice lists a $615 yearly deductible for 2026. After the deductible is satisfied, you’ll pay up to $2 for a 30-day supply of tier 1 generics and up to $6 for a 90-day supply. For tier 2 medications, costs will range from $6 to $10 for a 30-day supply and $18 to $30 for a 90-day supply.

The plan booklet shows projected premiums for 2026, which differ by state. It also lists the percentage you’ll be responsible for on higher-tier drugs, generally between 18% and 35%.

Keep in mind that the maximum out-of-pocket limit for prescription drugs is $2,000 in 2025, and it will rise to $2,100 in 2026.

After you reach that threshold, referred to as “catastrophic coverage,” you won’t owe additional costs for covered Part D medications for the rest of the year. This limit also accounts for contributions made on your behalf through programs like Extra Help.

How can I reach SilverScript?

Speak with a licensed Aetna representative at 855-335-1407, Monday through Friday, 8 a.m. to 9 p.m.

What to do if a drug isn’t on your plan’s formulary

Below is helpful information about drugs you currently take or may be prescribed that aren’t included on your Medicare plan’s formulary.

Step therapy

Step therapy requires your Medicare drug plan to have you try specified medications first before approving coverage for another (often costlier) drug. For instance, you might need to try drug X and fail to respond before the plan will cover drug Y.

SilverScript provides a step therapy exception form if you were prescribed a medication not covered prior to enrollment.

Prior authorization

Some drugs may require prior authorization before your plan will cover them. Typically, your prescriber’s office initiates this process, which can take several days depending on the circumstances.

The plan must approve the request before the drug is covered and can deny it if conditions aren’t met. Here is the form to request prescription drug authorization.

You may also submit exception requests for:

• quantity limits (plans sometimes restrict how much medication you can receive at one time)
• reimbursement for covered drugs you paid for out of pocket
• tiering (plans may reassign drugs to higher copayment tiers at their discretion)

Your doctor’s office usually manages many of these requests, so coordinate with your prescriber or healthcare team to begin the process.

Frequently asked questions

Is SilverScript a good Part D plan?

In 2025, Aetna SilverScript Medicare Part D plans earned an average rating of 2.5 stars from the Centers for Medicare & Medicaid Services (CMS). That is slightly below the 3.06 average for all Part D plans.

Is SilverScript owned by CVS or Aetna?

SilverScript became part of Aetna in 2024; Aetna had previously merged with CVS in 2018. CVS Caremark serves as the pharmacy benefit manager (PBM) for SilverScript.

The takeaway

SilverScript provides one Medicare Part D option that’s offered across the United States.

It features low copays for tier 1 and tier 2 generic drugs and grants access to more than 63,000 pharmacies.

Additionally, in 2026, all Part D plans will be required to cap annual out-of-pocket prescription costs at $2,100.