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Postal Service employees and retirees

Call 1-833-497-2416 (TTY: 711)

Retiree Prescription drug information

SilverScript (EGWP) Employer Prescription Drug Plan (PDP) for MHBP

SilverScript Employer Prescription Drug Plan for MHBP

All Postal Service Health Benefits (PSHB) health plans are required to have a Medicare Part D PDP for retirees. If you’re enrolled in Medicare Part A and/or Part B, your MHBP plan will automatically enroll you in the SilverScript (EGWP) Employer Prescription Drug Plan (PDP) for MHBP Standard Option*. Your premium does not change and your prescription drug benefits remain the same or better.

What this means

It could mean savings in prescription costs. Your drugs will still be covered, but copays and coinsurance may be lower. And you’ll receive a separate ID card to use for prescriptions.

Please note: if you are a Medicare-eligible PSHB participant and make the decision to opt out of or disenroll from the PDP included in your PSHB plan, you will NOT have prescription drug benefits through your PSHB plan. If you opt out or disenroll from the PDP you can only reenroll in the PDP through your PSHB plan during the next Open Season or with a qualifying life event.

Also, if you have a higher income, you may be responsible for a surcharge on your Medicare Part D benefit. Refer to the Part D-IRMAA section at Medicare.gov to see if you would be subject to an additional premium.

If you don’t want to be enrolled in the SilverScript (EGWP) Employer PDP for MHBP, you must contact Member Services at 1-866-241-0262 (TTY: 711), Monday through Friday, 8 AM to 8 PM ET.

Your prescription drug plan will start January 1, 2026.

When you enroll in the Medicare Part D program, your medical coverage and your PSHB Program premium will not change.** You are still covered under MHBP through the PSHB Program if you continue to pay your MHBP premium. Enrolling in the PDP will not result in the suspension or termination of your PSHB coverage.

IMPORTANT NOTICE: If you choose this plan and have Medicare, please call us at 1-866-241-0262 to make sure your Medicare Part D prescription drug coverage begins on 1/1/26.

*If you are currently enrolled in a stand-alone Medicare prescription drug plan or a Medicare Advantage (MA) HMO or PPO plan (Part C), enrolling in SIlverScript will cancel your enrollment in the other plan.

**The Social Security Administration (SSA) could require you to pay an extra amount. This is known as the Medicare Income Related Monthly Adjustment Amount (IRMAA). SSA will contact you if you have to pay Part D IRMAA, based on your income.

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SilverScript PDP member tools and drug lists

Check the cost calculators or drug formulary lists below for coverage information.

SilverScript PDP Calculator/Formulary lists

Benefits of the the SilverScript Employer PDP for MHBP:

  • $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
  • No mandatory fill requirements

SilverScript Employer PDP for MHBP plans

Please do not rely on this chart alone. Below is a summary of copays and coinsurance for MHBP plans. For more detail about definitions, limitations, and exclusions please refer to the Official Plan Brochure.

Rx Type Standard Option Consumer Option (HDHP) Value Plan
Generic $5 (30 days)
$10 (90 days)		 $8 (30 days)
$15 (90 days)		 $10 (30 days)
$20 (90 days)
Preferred brand $45 (30 days)
$55 (90 days)		 $45 (30 days)
$70 (90 days)		 $47 (30 days)
$140 (90 days)
Non-preferred brand $60 (30 days)
$80 (90 days)		 $70 (30 days)
$110 (90 days)		 $100 (30 days)
$250 (90 days)
Specialty 15% limited to $225 (30 days)
15% limited to $425 (90 days)		 25% limited to $225 (30 days)
25% limited to $425 (90 days)		 33% limited to $250 (30 days)
33% limited to $400 (90 days)

The Office of Personnel Management (OPM) worked with health plans to introduce Medicare Part D prescription drug plans to help you save money.

All Postal Service Health Benefit (PSHB) health plans are required to have a Medicare Part D prescription drug plan for retirees.

Retired MHBP members with Medicare A and/or B who are not enrolled in the Aetna Medicare Advantage for MHBP Standard Option plan, are automatically enrolled into the SilverScript (EGWP) Employer Prescription Drug Plan (PDP) under Medicare Part D. Your SilverScript PDP will offer lower or equal to prescription copayments than your current prescription drug copayments.

Your medical coverage will not change. You are covered under MHBP through the PSHB Program, and you will continue to pay your MHBP premium.

The Medicare Part D PDP through SilverScript is a Medicare approved prescription drug plan that is governed by CMS.

Your prescription drug costs will be lower or equal to your prescription drug costs under MHBP.

No. This is an enhanced benefit that is included in your MHBP premium. However, some members may be required to pay an extra charge, known as the Part D Income-Related Monthly Adjustment Amount (IRMAA). The extra charge is figured out using your modified adjusted gross income as reported on your IRS tax return from 2 years ago. If this amount is above a certain amount, you’ll pay the additional IRMAA charges. For more information on IRMAA, visit www.medicare.gov/drug-coverage-part-d/costs-for-medicare-drug-coverage/monthly-premium-for-drug-plans.

Yes, however, because CMS governs the PDP formulary, the MHBP PSHB formulary and the PDP formulary may differ slightly.

Please check the PDP formulary on MHBPPostal.com/Retiree

In most scenarios, your out-of-pocket costs for prescription drug benefits remain the same or better with the SilverScript Employer Prescription Drug Plan (PDP) for MHBP.

Your share of the cost for up to a 30-day prescription will be:

Please do not rely on this chart alone. Below is a summary of copays and coinsurance for MHBP plans. For more detail about definitions, limitations, and exclusions please refer to the Official Plan Brochure.

Rx Type Standard Option Consumer Option (HDHP) Value Plan
Generic $5 (30 days)
$10 (90 days)		 $8 (30 days)
$15 (90 days)		 $10 (30 days)
$20 (90 days)
Preferred brand $45 (30 days)
$55 (90 days)		 $45 (30 days)
$70 (90 days)		 $47 (30 days)
$140 (90 days)
Non-preferred brand $60 (30 days)
$80 (90 days)		 $70 (30 days)
$110 (90 days)		 $100 (30 days)
$250 (90 days)
Specialty 15% limited to $225 (30 days)
15% limited to $425 (90 days)		 25% limited to $225 (30 days)
25% limited to $425 (90 days)		 33% limited to $250 (30 days)
33% limited to $400 (90 days)

Yes, mail-order pharmacy is available for maintenance medications.
Your share of the cost for up to a 90-day prescription will be:

Please do not rely on this chart alone. Below is a summary of copays and coinsurance for MHBP plans. For more detail about definitions, limitations, and exclusions please refer to the Official Plan Brochure.

Rx Type Standard Option Consumer Option (HDHP) Value Plan
Generic $5 (30 days)
$10 (90 days)		 $8 (30 days)
$15 (90 days)		 $10 (30 days)
$20 (90 days)
Preferred brand $45 (30 days)
$55 (90 days)		 $45 (30 days)
$70 (90 days)		 $47 (30 days)
$140 (90 days)
Non-preferred brand $60 (30 days)
$80 (90 days)		 $70 (30 days)
$110 (90 days)		 $100 (30 days)
$250 (90 days)
Specialty 15% limited to $225 (30 days)
15% limited to $425 (90 days)		 25% limited to $225 (30 days)
25% limited to $425 (90 days)		 33% limited to $250 (30 days)
33% limited to $400 (90 days)

Your prior authorizations may not transfer. If they do not, you will have 90 days to obtain a new authorization or discuss alternative treatments with your provider.

If you’re new to SilverScript, you’ll receive a new card. Current SilverScript members can keep using their existing card.

You can use our Network Pharmacy search tool to find standard and preferred pharmacies near you.

Visit Caremark.com

You can opt out of the SilverScript PDP by calling Members Services at 833-266-6958 (TTY: 711), Monday through Friday 8 AM to 8 PM ET or go online at AetnaRetireeHealth.com/MHBPPostal

Please note: If a Medicare-eligible PSHB participant opts out of or disenrolls from the Medicare Part D Prescription Drug Plan (PDP) included with their PSHB plan, they would NOT have any access to prescription drug benefits through their PSHB plan. An individual who opts out or disenrolls from the PDP would be allowed to reenroll in the PDP through their PSHB plan during the next Open Season.

The SilverScript Employer Prescription Drug Plan (PDP) is a Medicare Part D plan only. You maintain the same medical coverage under MHBP. You will continue to use your MHBP ID card for medical services only and you will receive an additional ID card for your prescription drugs.

The Aetna Medicare Advantage for MHBP Standard Option plan, is a Medicare Part C plan that provides both medical and prescription drug coverage through the same plan.

This Aetna Medicare Advantage for MHBP Standard Option plan also includes enhanced benefits including a $900 per year credit toward your Medicare Part B premium, low prescription drug copayments, non-emergency transportation, healthy home visits and SilverSneakers membership. MHBP Standard Option members must have Medicare A and B primary to enroll in the Aetna Medicare Advantage for MHBP Standard Option plan. If you enroll in Aetna Medicare Advantage for MHBP Standard Option plan, you will receive one ID card for your medical and prescription drug coverage. This ID card replaces your Medicare and MHBP Standard Option ID card.

How to opt out of SilverScript PDP for MHBP

If you don’t want to be enrolled in the SilverScript Employer PDP for MHBP, you must contact Member Services at 1-833-825-6755 (TTY: 711), Monday through Friday, 8 AM to 8 PM ET.

AetnaRetireeHealth.com/MHBPPostal

Aetna Medicare Advantage for
MHBP Standard Option

It’s easy to opt in (with Aetna).

Visit AetnaRetireeHealth.com/MHBPPostal or call 1-866-241-0262 (TTY: 711)

Monday–Friday, 8 AM–8 PM ET

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Aetna Medicare is a PPO plan with a Medicare contract. Our DSNPs also have contracts with State Medicaid programs. Enrollment in our plans depends on contract renewal. Standalone Prescription Drug Plans are offered by SilverScript, a CVS Health company. The formulary may change at any time. You will receive notice when necessary. See Evidence of Coverage for a complete description of plan benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by service area. Participating physicians, hospitals and other health care providers are independent contractors and are neither agents nor employees of SilverScript. The availability of any particular provider cannot be guaranteed.

The Aetna Medicare Rx offered by SilverScript (EGWP) retiree pharmacy coverage is an enhanced Part D Employer Group Waiver Plan that is offered as a single integrated product. The enhanced Part D plan consists of two components: basic Medicare Part D benefits and supplemental benefits. Basic Medicare Part D benefits are offered by Aetna Medicare Rx offered by SilverScript (EGWP) based on our contract with CMS. We receive monthly payments from CMS to pay for basic Part D benefits. Supplemental benefits are non-Medicare benefits that provide enhanced coverage beyond basic Part D. Supplemental benefits are paid for by plan sponsors or members and may include benefits for non-Part D drugs. Aetna Medicare Rx offered by SilverScript (EGWP) reports claim information to CMS according to the source of applicable payment (Medicare Part D, plan sponsor or member).

Aetna Medicare Rx offered by SilverScript is a group standalone Medicare Prescription Drug Plan (PDP). This plan is offered by SilverScript Insurance Company, which has a Medicare contract. SilverScript Insurance Company and Aetna are affiliated companies. Enrollment in the plan depends on Medicare contract renewal.

Due to legislation in Arkansas, effective January 1, 2026, you may not be able to utilize the following services within the state of Arkansas, unless a court takes action: CVS Retail, CVS Caremark Mail Service, CVS Specialty, and OMNI Care long term pharmacies.

Information is accurate as of the production date but may change.

Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna). This is a brief description of the features of this MHBP plan. Before making a final decision, please read the Official plan brochure. All benefits are subject to the definitions, limitations and exclusions set forth in the Official plan brochure. To enroll in any MHBP plans, Mail Handler employees must pay full regular membership dues (which varies by Local Union). All other postal employees and federal employees must pay associate membership dues in a single annual payment of $52.

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