Frequently Asked Questions

I submitted incorrect information during my enrollment process. What should I do?

Call us at the number on the Contact Us page. Have your confirmation number and correct information on hand, and we'll take your information right over the phone.

If I sign up for one plan, can I switch to another plan if I decide that it would be better for me?

Similar to your health insurance, unless you qualify for special circumstances, you are able to switch plans during a specific period each year. During the next enrollment period, if you decide to make a change, you can switch to another plan. To see if you qualify for a Special Election Period, please call us at the number on the Contact Us page.

I have moved. How do I update my address with you?

It is important that we have your current address. If your coverage changes we will notify you by mail. If you have moved, please call us with your change of address information at the number on the Contact Us page of this web site. We will update your information right away!

Do I have to submit receipts that show that I have met my deductible?

No, when you make your purchases at a pharmacy, and show them your plan membership card, they will process these payments so we have record of them. After you reach your deductible, you will be required to only pay based on the plan’s benefits, and the pharmacy will know to charge you only that amount. It’s good practice to keep your receipts in case there is ever a question about how much you have paid. This is especially true if you have some type of supplemental coverage.

What happens when I reach the coverage gap? How will I know and how do I pay?

Because all of your drug spending is recorded (see question and answer above), we will know when you reach the coverage gap, and your pharmacy bill will reflect the appropriate costs during that stage. Once you have hit the spending level to get coverage again, your pharmacy bills will also reflect the lower costs based on the plan’s benefits. If you have concerns about the coverage gap our Enrollment team can help you decide if one of the plans we offer may better suite your needs by providing coverage through the ‘donut hole’.

What is a formulary, and could the formulary change?

A formulary is a preferred list of drugs that has been developed to meet the needs of most patients based on most commonly prescribed drugs. There are drugs that are mandated by the government to be a part of each Medicare Prescription Drug Plan’s formulary.

A formulary is reviewed and updated on a regular basis by medical and pharmacy professionals. Prescriptions that are included in the plan’s formulary are called covered drugs. If a drug is not on the formulary, it is not covered and the plan’s benefits will not apply.

Formularies can change throughout the plan year. If the formulary changes, affected enrollees will be notified before the change takes affect. You can visit this website to see the current formulary at any time as it will be updated regularly as needed. Should a drug that you are taking be removed from the formulary, we will notify you. If you currently take a drug that is not on our formulary, you may appeal to request us to cover that drug. Refer to your Evidence of Coverage for full details on the Appeal Process.

What are drug tiers?

Tiers are the levels by which drugs are categorized to indicate the amount you will pay for that particular drug. The lowest cost tier contains the medications that will be most economical to you (generics are usually in Tier 1). Higher cost drugs are included in each increased tier level and typically require a higher contribution from you to obtain that particular drug.

Both the CVS Caremark Plus (PDP)† and CVS Caremark Complete (PDP)† plans have five tiers. The SilverScript Value (PDP) plan has four tiers. The additional tier will allow you more choices and lower prices when you choose Preferred Brand and generic drugs. Members of the CVS Caremark Complete (PDP)† plan can enjoy generics — including Value Tier Generics — and Brands at our preferred pharmacies during the coverage gap.

What is a Preferred Brand Drug and a Non-Preferred Brand Drug?

Preferred brand drugs are those drugs selected by your plan that will provide greater savings than those drugs that are considered Non-Preferred Brand drugs.

Are the Pharmacies the same for all three plans?

Yes. Our plans provide access to more than 64,000* pharmacies across the country. You can also choose to have your prescription filled and mailed directly to your home or office using our preferred mail service pharmacy. Additionally, there are specialty pharmacies such as Home Infusion pharmacies, Long-Term Care pharmacies, and Indian Health Service/Tribal/ Urban Indian Health Program pharmacies.

Preferred pharmacies offer covered drugs to members of SilverScript Insurance plans at a lower cost sharing level than would apply at other network pharmacies for certain drugs. CVS/pharmacy, Longs Drugs, and Caremark mail service pharmacy are preferred pharmacies.

I was recently told I no longer qualify for my "extra help" subsidy. What are my options?

We follow Medicare’s Best Available Evidence policy records, we are happy help you with your eligibility issues. Call Member Services at 866-552-6106; our highly-trained representatives are always ready to help. For general information on extra help, click here.

What if I want to purchase a drug from a pharmacy that is not a network pharmacy?

You must use a network pharmacy in order to receive benefit coverage on your prescriptions. If you fill a prescription at a pharmacy not in the network, you may have to pay more. There are certain circumstances for which you can obtain benefit coverage for a covered drug not filled at a network pharmacy. See the out-of-network section for more information.

How can I disenroll?

As a member, you have a right to disenroll from your Part D plan. If you choose to voluntarily disenroll, you are disenrolling from your Medicare prescription drug coverage.

Generally, you can only enroll during the Open Enrollment Period and you may not enroll in a new Plan during other times of the year. You can disenroll if you meet certain special exceptions, such as if you move out of the service area. From November 15 through December 31 each year, you can enroll in a new Medicare Prescription Drug Plan or Medicare Health Plan for the following year.

Medicare allows you to disenroll at certain times during the year. After we receive your disenrollment form, we will let you know if you can disenroll at this time. If you can disenroll, we will also provide you the effective date of your disenrollment. To disenroll you must fill out a disenrollment form, sign, and send it back to us. If you fill prescriptions after your disenrollment date, SilverScript Insurance will not cover them.

We cannot ask you to leave your plan for any health-related reasons. If you ever feel that you are being encouraged or asked to leave our Plan because of your health, you should call 1-800-MEDICARE (1-800-633-4227), which is the national Medicare help line. TTY users should call 877-486-2048. You may call 24 hours a day, 7 days a week.

You can be involuntarily disenrolled from our Plan if:

  • You do not stay continuously enrolled in Medicare A or B (or both).
  • You move out of the service area or are away from the service area for more than 6 months you cannot remain a member of our Plan. And we must end your membership ("disenroll" you.) If you plan to move or take a long trip, please call Customer Care to find out if the place you are moving to or traveling to is in our Plan’s service area.
  • You knowingly falsify or withhold information about other parties that provide reimbursement for your prescription drug coverage.
  • You do not pay the Plan premiums; you will be notified in writing that you have a grace period during which you may pay the Plan premiums before your membership ends.

You have the right to ask us to reconsider this decision by filing a grievance with us. For more information on the appeals and grievance process, please review your Evidence of Coverage. If you have any questions about disenrolling, please call Enrollment Support from 8:00 a.m. to 2:00 a.m. ET, 7 days a week at 866-552-6106. TTY users should call 866-552-6288.

Read More about Disenrollment

*As of 6/2009, Caremark Network Services states there are more than 6,900 CVS pharmacies nationwide.

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