In 2026, SilverScript will offer a Medicare Part D prescription drug plan called SilverScript Choice. This plan will offer access to over 63,000 pharmacies nationwide and have low out-of-pocket costs

SilverScript is one of the largest providers of Medicare Part D coverage in the United States, with plans in all 49 states and Washington, D.C. For the 2024 health plan year, it became part of Aetna Medicare.

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 2026, including an overview of its offered plan and the anticipated cost.

SilverScript offers one plan option for 2026, SilverScript Choice (PDP), with a minimum $0 copay for any covered tier 1 drugs, depending on where you fill the prescription.

Members have access to a large network of more than 63,000 pharmacies around the country and several thousand 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 will have $615 annual deductible in 2026. Once you meet the deductible, you’ll pay up to $2 for a 30-day supply of any tier 1 generic drug and up to $6 for a supply of three months. For tier 2 drugs, you’ll pay between $6 and $10 for a supply of 30 days and between $18 and $30 for a supply of three months.

The plan booklet includes a list of the anticipated premiums in 2026, which vary depending on your state. It also includes the percentage you will have to pay out-of-pocket for higher-tier drugs, which ranges from 18% to 35%.

Note, however, that in 2025, the maximum out-of-pocket expense limit for prescription drugs is $2,000, which will increase to $2,100 in 2026.

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.

How do I contact SilverScript?

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.

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

It offers low copays for tier 1 and 2 generic medications. With SilverScript, you also have access to more than 63,000 pharmacies.

In addition, in 2026, all Part D plans must cap out-of-pocket expenses at $2,100 annually.