Is SilverScript a good Part D plan?

SilverScript (Aetna) Part D plans have mixed reviews: some, like the SilverScript Choice, get top 5-star ratings for specific features in 2026, offering good value with low-cost generics and broad pharmacy access. However, the overall average rating for Aetna SilverScript plans in 2025 was lower (2.5 stars), below the average for other Part D plans, with some reports noting low member satisfaction and potentially higher premiums compared to competitors. Its "goodness" depends heavily on your specific drugs, location, and preferences, with options like $0 generics on the SmartRx plan for budget-conscious users.

What are the main advantages of the SilverScript Choice Plan?

SilverScript Choice helps lower your prescription drug expenses, whether you're enrolled in Medicare Part A and/or Part B, or a Medicare Advantage plan without drug coverage. * The Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system.

What is the best pharmacy to use with SilverScript?

The best pharmacy for SilverScript is a Preferred Network Pharmacy, such as CVS (including Caremark mail order) or certain Walmart, Kroger, and Publix locations, because they offer the lowest copays, but you must check the Aetna/SilverScript online tool for your specific plan, as availability varies, with CVS Caremark Mail Order being a great option for convenience. 

Is SilverScript going up in 2026?

Monthly premiums will range from $0 to $45.70 across states and DC in 2026. Enrollees in the third most popular PDP, SilverScript Choice, will face the maximum $50 increase in their monthly premium in 30 states (including DC), but a premium reduction in 20 other states.

Is SilverScript a good Part D?

SilverScript Part D reviews are mixed, showing strong official ratings for drug coverage/safety (5 stars for some plans/measures) but lower member satisfaction, with complaints about premium increases (IRMAA), enrollment issues, and customer service. It's popular, especially the Choice plan, using Aetna's formulary, but check your specific drugs and costs, as experiences vary widely with different plan types (Choice, Plus, SmartRx).
 

There's a Simple Plan to $1M (Here It Is)

What are the changes for SilverScript plan for 2025?

Beginning in 2025, there are three drug payment stages: the Deductible Stage, the Initial Coverage Stage, and the Catastrophic Coverage Stage. The Coverage Gap Stage and the Coverage Gap Discount Program will no longer exist in the Part D benefit.

Which medicare advantage plan denies the most claims?

Centene (Wellcare) and CVS Health (Aetna) have faced scrutiny for high prior authorization denial rates in Medicare Advantage (MA) plans, with reports showing they had the most denied requests in 2023, though many denials were overturned on appeal, indicating issues with their strict criteria, while UnitedHealthcare also faces lawsuits and uses technology that has led to increased denials, especially for post-acute care, highlighting systemic challenges with MA plan claim approvals. 

What are the top selling Medicare Part D drugs?

These 10 widely used medications are:

• Eliquis (blood thinner)
• Jardiance (diabetes, heart failure, chronic kidney disease)
• Xarelto (blood thinner)
• Januvia (diabetes)
• Farxiga (diabetes, heart failure, chronic kidney disease)
• Entresto (heart failure)
• Enbrel (rheumatoid arthritis, psoriasis, psoriatic arthritis)

Can I use GoodRx instead of my Medicare Part D plan?

Yes, you can use GoodRx instead of Medicare Part D for a specific prescription if the GoodRx price is lower or if your drug isn't covered, but you cannot combine them, and costs don't count toward your Medicare deductible; just ask the pharmacist to process it as cash, not insurance. This is best for situations where your Part D plan has high copays or doesn't cover the drug, but remember you still need Part D for overall coverage and to avoid future penalties, so compare prices carefully. 

What is the SilverScript copay?

$0 annual deductible. Copays for most drug tiers (except specialty drugs) $2,000 calendar year out-of-pocket maximum for your prescription drugs. Access to approximately 68,000 pharmacies nationwide.

What is the best prescription discount program?

There's no single "best" program; top choices like GoodRx, SingleCare, and WellRx offer free coupons, with the best choice depending on your specific medication, as prices vary by pharmacy and platform. Compare prices across several free apps/websites (GoodRx, SingleCare, Optum Perks, America's Pharmacy, WellRx) using their price comparison tools for your prescriptions to find the lowest cost, as some might be better for generics and others for brand names. Paid options like GoodRx Gold or Costco's program (for members) can offer deeper discounts on some drugs. 

Can I use GoodRx with SilverScript?

You can use a GoodRx discount instead of your prescription insurance or Medicare if the cost is lower. However, GoodRx cannot be combined with your insurance or any federal or state-funded program such as Medicare or Medicaid.

What is the best insurance for seniors on Medicare?

The "best" Medicare insurance depends on your needs, but top options for seniors often include Medicare Advantage (Part C) for all-in-one coverage with extra perks (Humana, UHC, Aetna), or Original Medicare (A+B) with Medigap (Supplement) for flexibility and no network (AARP/UHC, Mutual of Omaha). Consider Humana, UnitedHealthcare, Aetna, Anthem, and BCBS for strong provider networks, while companies like Wellcare, Cigna, and Wellabe excel in specific benefits or costs, always comparing plans on Medicare.gov for personalized fit. 

Can I drop my medicare advantage plan and go back to original Medicare?

Yes, you can drop your Medicare Advantage (MA) plan and return to Original Medicare, typically during the Annual Enrollment Period (AEP) (Oct 15–Dec 7) or the MA Open Enrollment Period (OEP) (Jan 1–Mar 31), though you may qualify for a Special Enrollment Period (SEP) if you move or have other qualifying life events, but be aware you'll need to get a Part D plan and might want a Medigap plan to help with costs. 

What is the best Part D drug plan for seniors?

• Best for low average premiums: Wellcare Medicare Part D.
• Best for $0 premiums: Humana Medicare Part D.
• Additional Medicare Part D companies.
• Best for widespread availability: AARP Medicare Part D Plans from UnitedHealthcare.
• Best pharmacy network: Aetna SilverScript Medicare Part D Plans.

What is the most over prescribed drug?

Our study reveals that antibiotics and painkillers are the two most overprescribed drugs in America – and the consequences are deadly. Unnecessary drug prescriptions are a prominent factor in over 100,000 deaths in the U.S. every year – the fourth leading cause of death in the country.

How can I lower my Medicare Part D prescription costs?

Other ways to lower your prescription drug costs:

• Join Medicare drug coverage (Part D): ...
• Ask your doctor if you can take a generic drug, or a cheaper brand-name drug (if one's available).
• Check costs for mail-order pharmacies. ...
• Learn if the Medicare Prescription Payment Plan might be able to help you manage your costs.

What insurance company has the most complaints?

There isn't one single company with the "most" complaints universally, as it varies by insurance type (auto, home, health) and reporting agency, but Allstate frequently appears at the top of "worst" lists for auto/property due to aggressive claims tactics (lowballing, delays). For home insurance, companies like American Bankers and Spinnaker show high complaint ratios, while some reports point to high denial rates for health insurers like AvMed and UnitedHealthcare. 

Why do doctors not like Medicare Advantage plans?

Navigating the complexity and varying coverage configurations of different Medicare Advantage plans can be time consuming for doctors and their staff, and reimbursement rates may be lower compared to private insurance. Additionally, strict network rules can limit patient access to specialists.

Which Medicare Advantage plan is considered the best?

There's no single "best" Medicare Advantage plan, as it depends on your location and needs, but top-rated providers for 2026 often include Aetna, Humana, UnitedHealthcare (AARP), and Kaiser Permanente, noted for high star ratings, strong networks, or low costs, with Aetna often cited for overall quality and patient experience, Humana for nationwide coverage, and Kaiser for drug costs. The key is to use the official Medicare.gov Plan Finder to compare plans in your zip code, checking physician networks, prescription costs, and the Centers for Medicare & Medicaid Services (CMS) Star Ratings. 

Why is Medicare Part D going up so much in 2025?

It's capped at $2,000, a threshold that will rise each year to cover inflation. Lawmakers in Congress set those changes in the Inflation Reduction Act under President Joe Biden. The law also shifted a larger share of the cost of drugs used by Medicare beneficiaries from the federal program to insurers.

Who qualifies for an extra $144 added to their social security?

You qualify for an extra ~$144 on your Social Security check if you have a Medicare Advantage (Part C) plan with a "Part B Giveback" benefit, which refunds some or all of your Medicare Part B premium, appearing as extra cash in your check, but eligibility depends on living in the plan's service area and paying your own Part B premiums. The "144" figure was common when the Part B premium was around that amount, but the actual refund varies by plan and location, potentially exceeding the full premium.