SilverScript Medicare Part D Prescription Drug Plans

SilverScript is a Medicare Part D carrier with plans available in all 50 states. SilverScript offers comprehensive Medicare Part D plans with extensive prescription drug coverage and low premiums.

Millions of Medicare beneficiaries take advantage of SilverScript prescription drug plans each year. With one of the lowest premiums on the market, these SilverScript prescription drug plans are ideal for beneficiaries looking for prescription drug coverage that doesn’t break the bank.

SilverScript Medicare Part D Drug Plans

SilverScript offers three different Medicare Part D plans.

  • SilverScript Smart Rx
  • SilverScript Choice
  • SilverScript Plus

When you begin to compare SilverScript drug plans, there are some things you’ll want to keep in mind.

  • The medication(s) you are prescribed
  • How often you take your medication(s)
  • Out-of-pocket expenses, such as copays
  • How much you’re willing to pay in annual deductibles

By creating a game plan at the start of your Medicare Part D plan search, you can make sure you get the prescription drug coverage you need.

SilverScript Formulary 2022

When you begin shopping for prescription drug coverage, you’ll want to be aware of your medications and how they are covered by the various Medicare Part D plans available to you. This way, you can enroll in a plan that covers the prescriptions you need.

A formulary is a master list of prescription drugs that have coverage under a specific policy. You can find the formulary for each plan on SilverScript’s website or contact a licensed Medicare agent to help you make sense of plan details.

Sometimes a Medicare Part D plan may not cover your specific medication. However, a formulary alternative could be available. Your doctor may consider a replacement if they feel it’s appropriate. Otherwise, you could request a formulary exception, which means your drug could receive coverage from the plan if approved.

SilverScript may make occasional changes to its formularies, so reviewing your prescription drug coverage each year during the Annual Enrollment Period is essential. Doing so will ensure you are on the best coverage year after year.

Tier 1 Initial Coverage Coverage Gap (Donut Hole) Catastrophic Coverage
      Generic Brand
SmartRx $1 Copay 25% of Retail Cost $3.95 or 5% (whichever is more) $9.85 or 5% (whichever is more)
Choice $0 Copay 25% of Retail Cost $3.95 or 5% (whichever is more) $9.85 or 5%(whichever is more)
Plus $0 Copay $0 Copay $3.95 or 5% (whichever is more) $9.85 or 5%(whichever is more)
Tier 2 Initial Coverage Coverage Gap (Donut Hole) Catastrophic Coverage
      Generic Brand
SmartRx $19 Copay 25% of Retail Cost $3.95 or 5% (whichever is more) $9.85 or 5% (whichever is more)
Choice $5 Copay 25% of Retail Cost $3.95 or 5% (whichever is more) $9.85 or 5%(whichever is more)
Plus $2 Copay $2 Copay $3.95 or 5% (whichever is more) $9.85 or 5%(whichever is more)
Tier 3 Initial Coverage Coverage Gap (Donut Hole) Catastrophic Coverage
      Generic Brand
SmartRx $46 Copay 25% of Retail Cost $3.95 or 5% (whichever is more) $9.85 or 5% (whichever is more)
Choice 17% of Retail Cost 25% of Retail Cost $3.95 or 5% (whichever is more) $9.85 or 5% (whichever is more)
Plus $47 Copay 25% of Retail Cost $3.95 or 5% (whichever is more) $9.85 or 5%(whichever is more)
Tier 4 Initial Coverage Coverage Gap (Donut Hole) Catastrophic Coverage
      Generic Brand
SmartRx 49% of Retail Cost 25% of Retail Cost $3.95 or 5% (whichever is more) $9.85 or 5% (whichever is more)
Choice 35% of Retail Cost 25% of Retail Cost $3.95 or 5% (whichever is more) $9.85 or 5%(whichever is more)
Plus 50% of Retail Cost 25% of Retail Cost $3.95 or 5% (whichever is more) $9.85 or 5%(whichever is more)
Tier 5 Initial Coverage Coverage Gap (Donut Hole) Catastrophic Coverage
      Generic Brand
SmartRx 25% of Retail Cost 25% of Retail Cost $3.95 or 5% (whichever is more) $9.85 or 5% (whichever is more)
Choice 25% of Retail Cost 25% of Retail Cost $3.95 or 5% (whichever is more) $9.85 or 5% (whichever is more)
Plus 33% of Retail Cost 25% of Retail Cost $3.95 or 5% (whichever is more) $9.85 or 5%(whichever is more)

SilverScript SmartRx

The SilverScript SmartRx plan is a lower premium option with a $0 Tier 1 deductible. Also, Tier 1 drugs require a $0 copay on this plan, making it an excellent choice for those with only generic medications.

Key takeaways about the SilverScript Smart Rx plan:

  • Lowest national average Medicare Part D premium
  • $0 deductibles and copays as low as $1 for 30-day supplies

SilverScript Choice

The SilverScript Choice plan offers extensive prescription drug coverage. This policy provides a $0 deductible for Tier 1 and 2 medications. SilverScript Choice also includes delivering your Tier 1, 2, and 3 prescriptions. This is an excellent plan for those taking generic to mid-tier medications.

Key takeaways about the SilverScript Choice plan:

  • Copays as low as $0
  • Deductible for tier 1 and 2 drugs $0
  • $0 premium and low cost-sharing if you qualify for Extra Help

SilverScript Plus

The SilverScript Plus plan offers a $0 deductible for medications on all tiers. The policy has even more drug coverage than the Choice plan, and you can get your prescription drugs delivered to you at no additional cost. This SilverScript Plus plan is a fantastic option for those who take high-tier drugs.

Key takeaways about the SilverScript Plus plan:

  • More covered drugs on the formulary
  • A variety of prescription minerals, vitamins, and erectile dysfunction drugs
  • Savings on certain insulins with a max copay of $35 during the initial coverage phase and coverage gap

SilverScript Preferred Pharmacies

The SilverScript pharmacy network includes over 65,000 pharmacies in the U.S. Most chain pharmacies accept your SilverScript Medicare Part D coverage.

Walmart, CVS, Wegmans, Kroger, and Publix are a few of the most popular pharmacy choices. However, many local and independent pharmacies also accept SilverScript coverage.

SilverScript Mail Order Services

Many people prefer utilizing mail-order pharmacy services. Mail-order can be especially beneficial for those who can’t leave their house to pick up their drugs.

You can choose to have your medication sent to your home or place of employment. Both SilverScript Choice and Plus members can use this service.

Another great benefit of SilverScript mail order service is the ability to receive 90-day supplies at one time. Talk about convenience!

SilverScript Caremark Portal

SilverScript has a unique and convenient online portal through Caremark. The portal helps you check your pharmacy benefits.

The portal also allows you to:

  • Review current prescriptions
  • Check on the status of your order
  • Review your drug coverage
  • Check on medication costs.

The Caremark portal will let you gain valuable information with ease.

SilverScript Reviews

SilverScript has a Medicare Star Rating of 4 stars, which is a fantastic score. Medicare scores prescription plans on their performance and quality every year.

They have excellent, 24-hour customer service. The SilverScript Medicare Part D prescription drug plans also come with a wealth of online tools through this carrier.

SilverScript FAQs

Who owns SilverScript?
CVS Health owns the SilverScript insurance company. Also, CVS Health owns several other well-known companies. CVS Pharmacy, Aetna, and CVS Caremark are part of CVS Health.
What pharmacies does SilverScript use?
SilverScript uses many reputable pharmacies. Publix, Walmart, Kroger, Albertsons, and Harris Teeter are some of the most popular options.
How much will SilverScript cost?
The standard annual deductible for a SilverScript plan will be around $480. Tier 1 drug copays are $0-$1 depending on your plan, and monthly premiums can range depending on your location and plan. For example, SilverScript Part D plans in California generally cost slightly more per month than the same prescription drug plans in Ohio.
How can you mail order from SilverScript?
You can sign up to get your medications delivered to you. Simply complete a Mail Service Order Form and send it to CVS Caremark. You’ll receive 90-day supplies of your medication at one time.
How is CVS related to SilverScript?
CVS Health owns SilverScript, CVS Caremark, and CVS Pharmacy.

How to Enroll in a SilverScript Medicare Part D Plan

When you're ready to sign up for a SilverScript plan, we’re here to help make the process as easy as possible. Our licensed Medicare agents will walk you through the online application to ensure it is done correctly the first time.

To get started with your SilverScript Medicare Part D plan today, give us a call at the number above, or complete our online rate form. We look forward to finding the best Medicare Part D coverage for you!

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  1. Silverscript, Aetna. Accessed May 2022.
  2. Medicare Part D, Aetna . Accessed May 2022.

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

51 thoughts on “SilverScript Medicare Part D Prescription Drug Plans

    1. Grace, yes. Both forms of coverage are necessary to receive full health benefits. Silverscript is paying for your prescription drugs while Plan G is covering your healthcare costs.

  1. If I discontinue my enrollment with Silverscript will it effect my other Medicare plans I have?

    1. Walter, disenrolling from your Silverscript Part D plan will not affect your other plans in any way. However, if you disenroll without creditable drug coverage, you may be responsible for the Medicare Part D late enrollment penalty if you decide to reenroll in the future.

  2. I am experiencing high deductibles for my prescriptions. I take Trulicity and changed to Victoza at Silver Scripts suggestion and that was way wrong. Now trying to get answers on how to afford the “new” costs associated with the revised plans.

    1. Karen, I am sorry to hear about your high drug costs. Have you tried applying for Part D Extra Help? If you meet certain income requirements, you could receive help paying for your Medicare Part D costs. If not, you can also contact your plan and ask for a tier exception which lowers the prescription tier and may help with cost, however there is no guarantee the plan will accept this request.

  3. Cvs is Charging me a Copay but Walmart does not. Why? I’ve been disabled since 2009 and have Medicare with Part D and Medicaid.

  4. Why is it so darn hard to find my co-pay for a tier 3 drug? I have silver-script choice. Have made several calls today and have received different answers! I’ve paid my $480 deductible….so what’s my co-pay?

    1. Hi Sharen, if you have already met your $480 deductible for the year on the SilverScript Choice plan, your copayment for a Tier 3 drug would be 17% of the drugs retail cost. You can find the retail cost of the drug by calling your preferred pharmacy.

  5. Have been on the choice plan for three years, this year the deductible doubled to $480 and tier 3 went from $47 to 17% of cost of medication. So now before deductible my medication will cost almost $500 and after deductible will cost almost $90 per month. So just explain to me how this is a good plan?

    1. Lorraine, unfortunately drug plan costs change annually as do the plan formularies. Therefore, it is important to review your plan each year during the Annual Enrollment Period(link) to ensure the plan you are on is still the best for your needs.

    1. Victoria, thank you for reaching out! Drug plan cost depends on the area you live in as well as the prescription medications you are taking. To find the silverscript plan cost for your needs, our licensed agents can walk you through the process by completing this online form.

  6. I am on Silverscript and have been using local CVS pharmacy. But customer service there has fallen terribly and I would like to switch my pharmacy to Safeway or Walgreens. How do I do this? Thank you

    1. Daniel, I am sorry to hear about your negative experience at the pharmacy. Changing pharmacies is simple. All you need to do is request an Rx transfer for prescriptions at your current pharmacy and notify your doctors for future scripts. However, it is very important to be sure the pharmacy you are switching to is covered under your drug plan. To do this, you can contact Silverscript directly or use the Part D plan finder on

    1. Barbara, Silverscript offers multiple Part D plans that each have a formulary of their own. Meaning each plan covers drugs differently. If you need information about your specific plan, it is best to call the number listed on the back of your RX card to receive a full list of drugs covered by your plan

  7. I currently have Silverscript. I can not find my new premium rate for 2022. where do I go to find this rate?

  8. I currently have Silverscript Choice PDP plan, I’m paying so much more then in 2020 since Aetna became a part of the plan. I was looking at AARP Medicare Saver Plus, do you suggest I change since it is so much lower in cost. Is there a hidden secret?

    1. Hi Dorothy – what you pay for Medicare Advantage depends upon your location. We would advise you to make sure you choose a plan that includes your preferred providers and has your medications and dosages on its formulary. That is the best way to keep costs down, as well as taking note of the maximum out-of-pocket amount as well as the premium.

      1. Arnold, all Medicare Part D plans are required to cover the Shingles vaccine, however, you could be responsible for a deductible or copayment. It is best to contact your plan directly for exact information.

      2. CVS wanted almost $100. For my shingles vaccination x 2 last year. Are you saying the vaccination is free now?

      3. Nancy, this is completely dependent upon the Part D plan you are enrolled in. Deductible and copayment amounts vary from plan to plan.

  9. My husband has just enrolled in SilverScript Plus (PDP). He takes an expensive Rx for Rybelsus, but with no deductible, the monthly cost is very reasonable in this plan. I don’t understand what costs contribute to him reaching the coverage gap stage and what it will cost him next year if/when he hits that stage. Could you help with that answer?

  10. Will Silverscript choice cover hormone replacement prescription my Dr has suggested that I start taking it.

    1. Hi Brenda! You would want to check your drug plan formulary to see if your specific prescription is covered.

  11. My father has been prescribed Eliquis. At CVS today, the cost is $531. He is unable to pay for this every month. What can be done to lower this cost???
    Thank you so much

    1. Hi Michelle! I would reach out to SilverScript directly to find out why it cost so much now. It could be the deductible has not been met for the calendar year. Eliquis is covered by 99% of Part D plans.

    2. I couldn’t afford it either and Coumadin did not work for me. My cardiologist put a Workman filter in my heart and I now take a baby aspirin. I love modern medical technology. I was so tired of begging for samples every month.

  12. how do I change from picking up my prescriptions at Wallgreens to ordering them by mail

  13. I’m trying to find out if Vons pharmacy is accepted by SilverScript and there is no where for me to access a list of participating pharmacy.

  14. I have only approx $24 left to fulfill my deductible, and I am paying more, especially for one, the price doubled since 2020. On 4/1/2020 I paid $201, on 3/23/2021 that price doubled to $422. I understand about the deductible, but double in price?. I am being charged the full yearly cost of this med, it is a 90day supply every 3 months, I don’t expect to be charged for any auto-refills for the remainder of 2021. I also note that the plan I am enrolled in, I am paying more than the plan is paying, this is not a very good plan, and I am strongly considering finding another company to enroll with.

    1. Hi Lou! We’re so sorry you’re not happy with your current Part D plan. You are not the first to voice your concerns. It sounds like you should not have to pay that much once you hit the deductible. If there is a generic available, I would ask your doctor if you can switch. Unfortunately, unless you qualify for a Special Enrollment Period, you will have to wait until the Fall Annual Enrollment Period to change your Part D plan. You should be able to go onto Medicares plan finder tool and put in what Part D plan you have to see what your estimated costs will be out of pocket for all your medications for the entire year.

  15. My local pharmacy recently changed ownership and is no longer a preferred pharmacy with Silver Script. What a shock when I went to get my latest prescriptions. They were almost 10 times more money than when I got them in December. I’m 76 and on a fixed income and the preferred pharmacy closest to me is a Walmart 25 miles away. In addition to the normal blood pressure and other heart drugs I take Entresto and Pradaxa both very high priced drugs. I guess I’ll be doing some traveling. Bummer.

    1. Hi Gary! I’m so sorry you’re dealing with this issue. Is there a chance you’re now in the deductible phase of your prescription drug plan, and that’s why you’re paying more for your prescriptions? The plans reset annually at the beginning of the year. Also, have you looked into mail-order pharmacies? You may be able to get your prescription mailed to you.

  16. do you have a page where i can type in our medication and it will tell m what you will pay on each, if so where do i find it,

      1. I have friends that have silver script and they had to pay for their shingles shots. I also have Silver Script and need to get the shots, but can’t afford to pay $200 for each shot.


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