In 2025, SilverScript will offer a Medicare Part D prescription drug plan called SilverScript Choice. This plan will offer access to over 65,000 pharmacies nationwide and have low out-of-pocket costs for covered drugs.

SilverScript is one of the largest providers offering Medicare Part D coverage in the United States, with plans in all 50 states. It became part of Aetna Medicare for the 2024 health plan year.

If you have Medicare Part A and Part B, you may be looking for additional coverage for prescription drugs.

In this article, we’ll explore the prescription drug benefits offered by SilverScript for 2025, including an overview of its offered plan and the anticipated cost.

SilverScript offers one plan option for 2025 called SilverScript Choice (PDP) with no more than a $5 copay for any covered tier 1 drugs.

Members have access to a large network of more than 65,000 pharmacies around the country and several thousands of preferred pharmacies for extra discounts. Another benefit includes cost savings for 90-day mail-order refills

Medicare Part D plans can have various costs, including deductibles, premiums, copays, coinsurance, and more.

SilverScript Choice has a $590 annual deductible. Once you meet the deductible, you’ll pay $5 for a 30-day supply of any tier 1 generic drug and $15 for a supply of three months. For tier 2 drugs, you’ll pay $10 for a supply of 30 days and $30 for a supply of three months.

The plan booklet includes a list of the anticipated premiums in 2025, which vary depending on your state, including the percentage you will have to pay out-of-pocket for higher-tier drugs. These range from 18% to 45%.

Note, however, that as of 2025, there will be a maximum limit of $2,000 for out-of-pocket expenses on prescription drugs.

Once you reach this limit, known as “catastrophic coverage,” you won’t be responsible for any additional costs for covered Part D drugs for the remainder of the year. This cap also includes payments made on your behalf through programs like Extra Help.

Questions about this plan?

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

Here’s some useful information to be aware of for drugs you are already taking or may be prescribed that are not covered by your Medicare plan’s formulary.

Step therapy

Step therapy is when your Medicare drug plan wants you to try other drugs before it covers another (usually more expensive) drug. For example, you must first try treatment with drug X without results before your plan will cover drug Y.

SilverScript does provide a form for step therapy exceptions if, prior to enrolling, you were prescribed a drug that’s not covered.

Prior authorization

An insurance plan may require prior authorization before coverage is granted for certain drugs. A doctor’s office usually handles this process, which can take several days, depending on the case.

The plan must grant approval before the drug is covered, and it can deny coverage if necessary. Here is the form for requesting prescription drug authorization.

You may also request exceptions for:

  • quantity limits (plans may often limit the amount of a medication you can get at a given time)
  • reimbursement for covered drugs that you paid for out of pocket
  • tiering (plans may move drugs to a higher copay tier at their discretion)

Your doctor’s office handles many of these requests, so you’ll need to talk with your doctor or healthcare team members to start these processes.

Is SilverScript a good Part D drug 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.

Is SilverScript now called Aetna?

SilverScript became part of Aetna in 2024.

Are CVS Caremark and SilverScript the same?

CVS Caremark is the pharmacy benefit manager (PBM) for SilverScript.

SilverScript offers one Medicare Part D plan that is available in all 50 states.

It offers low copays for tier 1 and 2 generic medications. With SilverScript, you also have access to more than 65,000 pharmacies.

In addition, all Part D have to cap your out-of-pocket expenses to $2,000 annually starting in 2025.