Aetna is a health insurance company selling one Medicare Part D prescription drug plan in 2025 in all 50 states and Washington, D.C. That said, the monthly premium, copays, and deductibles can vary depending on where you live.
Aetna is one of the largest health insurance companies in the United States. In addition to its Medicare Advantage (MA) and Medicare supplement plans (Medigap), it sells a stand-alone Medicare Part D plan called SilverScript Choice.
In this article, we’ll discuss the plan’s coverage, its cost in your area, and how it compares to an MA plan with prescription drug coverage.
Medicare Part D provides coverage for prescription drugs not included in Parts A or B, with the government paying 75% of the cost. However, you still need to pay premiums, copays, and deductibles depending on your chosen plan.
Facts about Medicare Part D
- It’s a prescription medication benefits plan for those eligible for Medicare.
- You must be enrolled in either Medicare Part A or Part B to be eligible.
- Medicare Part D coverage is optional and is sold by private insurance companies.
- You must enroll in Part D between October 15 and December 7. Coverage is not automatic, and late enrollment penalties may apply.
- Medications covered are based on the individual plan formularies (list of covered drugs).
SilverScript is one of the largest providers offering Medicare Part D coverage in the United States. It became part of Aetna Medicare for the 2024 health plan year. In 2025, Aetna offers only one Part D plan, SilverScript Choice, in all 50 states and Washington, D.C.
Like other Part D plans, this plan also has a formulary, which is a list of covered prescription drugs. Formularies place medications into tiers or levels. The medications offered in each tier have different costs. Typically, drugs on lower tiers cost less than those on higher tiers.
Aetna’s SilverScript Choice plan covers a wide range of tier 1 generic and tier 2 brand-name medications.
Aetna’s plan has a $5 copay for a 3-day supply of Tier 1 drugs. Copays for tier for larger amounts or for Tier 2 drugs may be higher and may vary by medication and location.
In addition, the same $590 deductible applies to all tiers, though you may qualify for a lower deductible through ExtraHelp.
That said, your premium may vary depending on where you live. The following chart shows the 2025 premiums across several sample regions. You can find your premium in your area by inputting your zip code on Medicare.gov.
| County, state | Monthly premium | Annual premium |
|---|---|---|
| Cook, IL | $44.90 | $493.90 |
| Middlesex, NJ | $47.40 | $521.40 |
| Los Angeles, CA | $53.60 | $589.60 |
Aetna offers various MA (also called Part C) plans, including Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs).
Some of these plans may be Aetna Medicare Advantage with Prescription Drug (MAPD) plans. If you choose MA over Original Medicare, you can enroll in one of these plans instead of Part D.
That said, not all these plans may be accessible in every region. Generally, you can choose between the following options:
- enroll in only MAPD
- enroll in an MA plan without drug coverage + Part D
- enroll in Original Medicare + part D
To determine the best choice, you’ll need to check if these plans cover your prescription drugs and your differences in terms of costs.
Learn more: Aetna Medicare Advantage plans in 2025 and Part C versus Part D.
Is Aetna a good Medicare Part D plan?
In 2025, Aetna SilverScript Medicare Part D plans received an average rating of 2.5 stars from the Centers for Medicare & Medicaid Services (CMS). This is just a bit under the 3.06 average rating for all Part D plans.
Learn more: SilverScript Medicare drug coverage.
How do I check which medications are covered by Aetna prescription drug benefits?
When you shop for an Aetna Part D plan, you can either use the search tool on Medicare.gov or on the Aetna website to enter your zip code and your medications to check whether they are covered.
If you prefer, you can call Aetna at 1-855-335-1407 (TTY: 711) to discuss each plan and your potential prescription drug coverage.
What is the difference between Tier 1 and Tier 2 drugs?
In Part D plans, tier levels generally break down as follows
| Tier | Coverage | Expected costs |
|---|---|---|
| tier 1 | most generic prescription drugs | lowest copay |
| tier 2 | preferred brand-name prescription drugs | mid-level copay |
| tier 3 | nonpreferred brand-name prescription drugs | higher copay |
| specialty tier | very high cost prescription drugs | highest copay |
Learn more: How to compare Medicare Part D plans.
Aetna is a health insurance company that sells three Medicare Part D prescription drug plans. These plans are designed to offer coverage across many budget levels.
Not every Aetna plan is available in every ZIP code. The costs for monthly premiums, copays, and deductibles vary from plan to plan and from location to location.