Mcs Classicare
Avg Star Rating
5.0 ★
Plan
Premium
MOOP
Stars
Type
Compare & Enroll — Part C & Part D
Compare & Enroll in Medicare Plans in Puerto Rico
With 43 Medicare Advantage options from 4 insurers, Puerto Rico has plan availability roughly in line with the national average, suggesting a moderately competitive market. Approximately 98% of local MA plans charge $0 beyond the standard Part B premium, reflecting strong price competition. With 10 hospitals within 25.0 miles, most local plan networks should offer strong provider access. We've organized the CMS data below to help you cross-reference plan costs, quality ratings, and local provider access. Compare plans below, and when you're ready, enroll directly at Medicare.gov.
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✓ Just the data, no sales pitch
Compare Plans at Medicare.gov →
Data freshness: CMS data as of February 2026 •
ACS data as of 2023 •
Reviewed & approved on 2026-02-16
Reviewed by: Wes Ward, Founder & Data Lead •
View our methodology
Important: We are not affiliated with Medicare or any government agency. This site displays publicly available CMS data to help you compare plans. We do not sell insurance or represent any insurance company. For official enrollment and complete plan information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).
Important: Plan availability, benefits, and CMS Star Ratings shown here come directly from CMS public files. Plan details can change—always verify with the insurer and at Medicare.gov.
Part C Plans
43
Part D Plans
3
Top MA Star
5.0
Top Drug Star
3.0
Medicare Eligibility in Puerto Rico
Approximately 762,432 residents (22.4% of the population) in Puerto Rico are 65 or older and likely Medicare-eligible. Whether you're approaching 65, already enrolled, or a caregiver comparing options, the plan data below is organized to help you evaluate Part C (Medicare Advantage) and Part D (prescription drug) coverage side by side.
The median household income in Puerto Rico is $29,982 (60.1% below the National Average), which may affect eligibility for Extra Help with Part D drug costs.
Part C: Medicare Advantage Plans
Medicare Advantage (Part C) replaces Original Medicare through private insurers who bundle hospital, medical, and often drug coverage into a single plan. Puerto Rico's 43 Medicare Advantage plans are predominantly HMO-based (42 HMO vs. 1 PPO), meaning most require referrals and in-network care. 42 plans offer $0 monthly premiums. Quality is strong—the average local star rating is 4.9 out of 5, with the top plan earning 5.0 ★.
Top Medicare Advantage Plans in Puerto Rico
We organize CMS plan data into separate leaderboards so you can compare based on what matters most to you. Part C premiums in Puerto Rico range from $0 to $15/month. Among rated plans, 42 plans rated 4+ stars, including 33 with perfect 5-star ratings.
Highest CMS Star Ratings
Star Ratings are assigned by CMS based on quality measures including customer service, preventive care, and managing chronic conditions.
| Plan Name | Insurer | Star Rating | Premium | Type | |
|---|---|---|---|---|---|
| Mcs Classicare Efectivo (HMO) | Mcs Classicare | 5.0 ★ | $0.00/mo | HMO | Enroll |
| Mcs Classicare Platino Ideal (HMO D-SNP) | Mcs Classicare | 5.0 ★ | $0.00/mo | HMO D-SNP | Enroll |
| Mcs Classicare Firme (HMO) | Mcs Classicare | 5.0 ★ | $0.00/mo | HMO | Enroll |
| Mcs Classicare Estrella (HMO) | Mcs Classicare | 5.0 ★ | $0.00/mo | HMO | Enroll |
| Mcs Classicare Essential (HMO-POS) | Mcs Classicare | 5.0 ★ | $0.00/mo | HMO-POS | Enroll |
Lowest Monthly Premium
Lower premiums can save money, but check total costs including deductibles, copays, and MOOP.
| Plan Name | Insurer | Monthly Premium | MOOP | Star Rating |
|---|---|---|---|---|
| Mcs Classicare Efectivo (HMO) | Mcs Classicare | $0.00/mo | $3,400 | 5.0 ★ |
| Mcs Classicare Platino Ideal (HMO D-SNP) | Mcs Classicare | $0.00/mo | $3,400 | 5.0 ★ |
| Platino Plus (HMO D-SNP) | Triple S Advantage | $0.00/mo | $3,650 | 4.5 ★ |
| Mcs Classicare Firme (HMO) | Mcs Classicare | $0.00/mo | $3,400 | 5.0 ★ |
| Mcs Classicare Estrella (HMO) | Mcs Classicare | $0.00/mo | $3,400 | 5.0 ★ |
Lowest Maximum Out-of-Pocket (MOOP)
MOOP caps your financial risk. Once you hit this limit, the plan covers 100% of covered services for the rest of the year.
| Plan Name | Insurer | MOOP (In-Network) | Premium | Star Rating |
|---|---|---|---|---|
| Mmm Relax Platino (HMO D-SNP) | Medicare Y Mucho Mas (Mmm) | $3,250 | $0.00/mo | 5.0 ★ |
| Mmm Plenitud (HMO-POS) | Medicare Y Mucho Mas (Mmm) | $3,250 | $0.00/mo | 5.0 ★ |
| Mmm Diamante Platino (HMO D-SNP) | Medicare Y Mucho Mas (Mmm) | $3,250 | $0.00/mo | 5.0 ★ |
| Mmm Balance (HMO-POS) | Medicare Y Mucho Mas (Mmm) | $3,250 | $0.00/mo | 5.0 ★ |
| Mmm Elite (HMO-POS) | Medicare Y Mucho Mas (Mmm) | $3,250 | $0.00/mo | 5.0 ★ |
Plan Type Mix in Puerto Rico
HMO plans require referrals and in-network care. PPO plans offer more flexibility. SNP (Special Needs Plans) serve specific populations. MAPD plans include drug coverage.
| Plan Type | Count | Percentage | Description |
|---|---|---|---|
| HMO D-SNP | 16 | 37.2% | Medicare Advantage plan |
| HMO-POS | 11 | 25.6% | HMO with some out-of-network options |
| HMO | 11 | 25.6% | Requires referrals; in-network only |
| HMO C-SNP | 4 | 9.3% | Medicare Advantage plan |
| PPO | 1 | 2.3% | No referrals; in and out-of-network |
Choosing the Right Medicare Advantage Plan
The best Part C plan depends on your doctors, medications, and budget. Key factors to evaluate:
- Provider network: Verify your doctors and hospitals in Puerto Rico are in-network before enrolling
- Total cost: A $0 premium may have higher copays—calculate your annual cost
- Star Ratings: 4+ stars indicate above-average quality and member satisfaction
Read our full guide on choosing Medicare Advantage → · Print our enrollment checklist →
Medicare Glossary: HMO, PPO, MOOP & more →
Medicare Advantage Insurers in Puerto Rico
4 insurance companies offer Medicare Advantage plans in Puerto Rico. Below, we group plans by insurer so you can compare options from each company. More insurers generally means more competition and better benefits for consumers.
Medicare Y Mucho Mas (Mmm)
Avg Star Rating
5.0 ★
Plan
Premium
MOOP
Stars
Type
Triple S Advantage
Avg Star Rating
4.5 ★
Plan
Premium
MOOP
Stars
Type
Triple-S Advantage
Avg Star Rating
3.5 ★
Plan
Premium
MOOP
Stars
Type
Plan availability, premiums, and benefits shown are based on CMS data and may change. Always verify current details with the insurer and at Medicare.gov before enrolling.
Part D: Prescription Drug Plans (PDP)
Part D covers prescription drugs through standalone plans for those on Original Medicare, or as part of a Medicare Advantage bundle. Among the 3 standalone Part D plans in Puerto Rico, deductibles average $615. The 2026 $2,000 out-of-pocket cap means drug costs are now more predictable regardless of which plan you choose, but formulary coverage still varies significantly—always verify your medications are covered before enrolling.
Part D Formulary Notice: Each Part D plan has its own formulary (list of covered drugs). The same medication may be on different tiers—or not covered at all—depending on the plan. Always check that your specific medications are covered before enrolling.
2026 Out-of-Pocket Cap: Thanks to the Inflation Reduction Act, your total out-of-pocket drug costs are capped at $2,000 per year in 2026. Once you reach this limit, you pay nothing more for covered Part D drugs for the rest of the year. This eliminates the old "donut hole" coverage gap that previously caused higher costs.
Low Income Subsidy (LIS / Extra Help): If you have limited income and resources, you may qualify for Extra Help paying Part D costs. Visit SSA.gov or call 1-800-MEDICARE.
Top Part D Drug Plans in Puerto Rico
We organize Part D plans by CMS Star Ratings, premiums, and deductibles so you can find the best fit for your prescription needs. Part D premiums in Puerto Rico range from $50 to $145/month. Remember: all Part D plans now cap your annual out-of-pocket drug costs at $2,000 thanks to the Inflation Reduction Act.
Highest CMS Star Ratings (Part D)
Part D Star Ratings measure drug pricing, customer service, member complaints, and pharmacy access.
| Plan Name | Insurer | Star Rating | Premium | Deductible | |
|---|---|---|---|---|---|
| Aarp Medicare Rx Preferred From Uhc (PDP) | Unitedhealthcare | 3.0 ★ | $145.10/mo | $615 | Enroll |
| Healthspring Extra Rx (PDP) | Healthspring | 2.5 ★ | $50.00/mo | $615 | Enroll |
| Healthspring Assurance Rx (PDP) | Healthspring | 2.5 ★ | $65.70/mo | $615 | Enroll |
Lowest Monthly Premium
Lower premiums help with monthly cash flow, but check drug tier costs and the deductible.
| Plan Name | Insurer | Monthly Premium | Drug Deductible | Star Rating |
|---|---|---|---|---|
| Healthspring Extra Rx (PDP) | Healthspring | $50.00/mo | $615 | 2.5 ★ |
| Healthspring Assurance Rx (PDP) | Healthspring | $65.70/mo | $615 | 2.5 ★ |
| Aarp Medicare Rx Preferred From Uhc (PDP) | Unitedhealthcare | $145.10/mo | $615 | 3.0 ★ |
Lowest Annual Drug Deductible
The deductible is what you pay out-of-pocket before the plan starts covering drug costs. The 2026 maximum Part D deductible is $590. Many plans offer $0 deductible options.
| Plan Name | Insurer | Drug Deductible | Monthly Premium | Star Rating |
|---|---|---|---|---|
| Healthspring Extra Rx (PDP) | Healthspring | $615 | $50.00/mo | 2.5 ★ |
| Healthspring Assurance Rx (PDP) | Healthspring | $615 | $65.70/mo | 2.5 ★ |
| Aarp Medicare Rx Preferred From Uhc (PDP) | Unitedhealthcare | $615 | $145.10/mo | 3.0 ★ |
Understanding drug tiers: Part D plans organize medications into 5 cost tiers — Tier 1 (Preferred Generic) is cheapest; Tier 5 (Specialty) is most expensive. Two plans with the same premium can have very different costs for your drugs depending on tier placement. Learn more about drug tiers →
Choosing the Right Part D Drug Plan
The right Part D plan depends on your specific medications. Key factors to evaluate:
- Formulary: Verify your drugs are covered before enrolling
- Preferred pharmacies: Lower copays at certain locations—check your pharmacy is in-network
- Total annual cost: Premium + deductible + copays for your drugs
Read our full guide on choosing Part D →
What is a formulary? See our Medicare Glossary →
Part D Drug Plan Insurers in Puerto Rico
2 insurance companies offer standalone Part D drug plans in Puerto Rico. Below, we group plans by insurer.
Unitedhealthcare
Avg Star Rating
3.0 ★
Plan
Premium
Deductible
Stars
Type
Healthspring
Avg Star Rating
2.5 ★
Plan availability, premiums, and benefits shown are based on CMS data and may change. Always verify current details with the insurer and at Medicare.gov before enrolling.
Ready to Enroll in Puerto Rico?
Compare plans side-by-side at Medicare.gov or speak with a licensed Medicare specialist.
📋 Print our Medicare Enrollment Checklist — gather your info before you compare.
📅 Enrollment Dates & Deadlines · 🩺 Questions to Ask Your Doctor
Medicare.gov is the official U.S. government site for Medicare. Available 24/7.
Pharmacy Access in Puerto Rico
Part D plans have preferred pharmacy networks where you'll pay lower copays. Here's a look at pharmacy options in and around Puerto Rico.
Total Pharmacies
4
within 5.0 miles
Chain Pharmacies
0
CVS, Walgreens, etc.
Independent Pharmacies
4
locally owned
| Pharmacy | Address & Phone | Distance | Type |
|---|---|---|---|
| FARMACIA OROCOVIS | 17 CALLE 4 DE JULIO OROCOVIS, PR 007204432 787-786-2450 | 1.1 mi | Independent |
| FARMACIA DEL CARMEN LLC | CALLE 4 DE JULIO #33 BO PUEBLO OROCOVIS, PR 007204433 787-786-2380 | 1.2 mi | Independent |
| FARMACIA OFELIA, INC. | 6 CALLE PEDRO ARROYO OROCOVIS, PR 007204422 787-786-2820 | 1.2 mi | Independent |
| FARMACIA RENACER, INC | BO GATO CARR. 155 OROCOVIS, PR 00720 787-786-6604 | 3.3 mi | Independent |
| MOROVIS PHARMACY LLC | CARR 155 KM 48.3 MOROVIS, PR 00687 787-786-6066 | 5.2 mi | Independent |
| DZEUS CORP. | 57 CALLE PRINCIPAL BARRANQUITAS, PR 007941631 787-733-0770 | 5.7 mi | Independent |
| CARMEN I. RUBIO SOTO | 18 CALLE PRINCIPAL MOROVIS, PR 006873014 787-786-5252 | 5.8 mi | Independent |
| FARMACIA LIDELIZ | 43 CALLE PRINCIPAL MOROVIS, PR 006873051 787-786-5279 | 5.8 mi | Independent |
| RX SOLUTIONS INVESTMENTS LLC | CARR. 159 KM 15.4 BO PUEBLO COROZAL, PR 00783 787-785-2105 | 5.8 mi | Independent |
| MOROVIS COMMUNITY HEALTH CENTER INC | 2 CALLE PATRON MOROVIS, PR 006873021 787-786-3000 | 6.1 mi | Independent |
Pharmacy data from CMS. Network participation varies by plan—always verify with your specific Part D plan.
Local Healthcare Access in Puerto Rico
Before choosing a plan, consider the healthcare infrastructure in Puerto Rico. Medicare Advantage plans restrict you to in-network hospitals, so understanding local hospital quality helps you pick the right plan — not just the cheapest one.
Note: The facilities below do not indicate which providers are in-network for any specific plan. Always verify network status with your plan before enrolling.
Hospitals Nearby
10
within 25.0 miles
Top-Rated Hospitals in Puerto Rico
If hospital access matters to your plan choice, check quality ratings before you enroll. These are the highest CMS-rated hospitals in Puerto Rico — click a hospital name to see its full profile and verify it's in your plan's network.
| Hospital | CMS Rating | Distance | Beds |
|---|---|---|---|
| Manati Medical Center Dr Otero Lopez | 3 ★ | 16.8 mi | 285 |
| Doctors' Center Hospital, Inc | 2 ★ | 16.8 mi | 268 |
| Hospital Menonita De Aibonito | Not Rated | 13.6 mi | 150 |
| Centro De Salud Conductual Menonita-Cima | Not Rated | 13.6 mi | 61 |
| Hospital Menonita De Cayey | Not Rated | 13.9 mi | 262 |
| Doctors Center Hospital Orlando Health Dorado | Not Rated | 14.9 mi | 160 |
| Centro Medico Wilma N Vazquez | Not Rated | 16.8 mi | 130 |
| First Hospital Panamericano | Not Rated | 17.2 mi | 165 |
| Doctors' Center Bayamon | Not Rated | 17.5 mi | 146 |
| Hospital Menonita Ponce | Not Rated | 20.2 mi | 138 |
View all 10 hospitals in Puerto Rico to check quality before you enroll →
Hospital data from CMS Hospital Compare and Provider of Services file. Distance calculated from center of Puerto Rico.
Telehealth in Puerto Rico: Is Your Internet Ready?
Many Medicare Advantage and some Part D plans now include telehealth benefits, making routine check-ins and prescription refills easier from home. But telehealth requires reliable internet—here's a look at connectivity in Puerto Rico. For official guidance on virtual visits, see Telehealth.HHS.gov from the U.S. Department of Health & Human Services.
Check Internet Providers at Your Address
Telehealth works best with reliable internet. Use this tool (provided free by ISP Reports) to see what's available at your address.
Opens ISP Reports in a new tab. This is not a paid relationship. Special thank you to ISP Reports for allowing free use of their address tool.
Internet Coverage in Puerto Rico
Fiber Available
75.3%
of households
Cable/DSL Available
99.7%
of households
Top Provider
Optico Fiber
9.1% coverage
No Broadband
1.9%
of households
Internet coverage data from ISP Reports. View full internet report for Puerto Rico.
Medicare-Relevant Demographics in Puerto Rico
Understanding Puerto Rico's demographics helps contextualize why insurers offer the plans they do. Areas with more seniors and higher incomes tend to attract more insurer competition, while areas with higher Medicaid enrollment may have more Dual-Eligible Special Needs Plans (D-SNP) available.
Total Population
3,404,958
Population 65+
762,432
22.4% of total
Median Age
45
6.6 years older than the national average
Median Income
$29,982
60.1% below the National Average
On Medicare
834,259
24.5% of residents
On Medicaid
1,484,621
43.6% of residents
Uninsured
210,588
6.2% of residents
Social Security Recipients
1,564,904
46.0% of population
Demographic data from U.S. Census Bureau American Community Survey (2023). View full Puerto Rico demographics (BestNeighborhood.org).
Local Medicare FAQ: Puerto Rico
Common decision points based on Puerto Rico's specific plan market and local healthcare landscape.
How does Puerto Rico's Medicare Advantage market compare?
Puerto Rico has 43 Medicare Advantage plans from 4 insurers. This is roughly in line with the national average of approximately 57 plans per area. The local mix includes 42 HMO and 1 PPO plans. Plan availability updates annually during the Medicare Annual Enrollment Period (October 15 – December 7).
Should I choose an HMO or PPO Medicare Advantage plan in Puerto Rico?
With 10 hospitals within 25.0 miles, Puerto Rico has strong provider density. HMO plans (42 available) typically have lower premiums but require referrals and in-network care. PPO plans (1 available) offer more flexibility to see out-of-network providers at higher cost. In Puerto Rico, HMO plans dominate the market, which often means more competitive HMO pricing. Always verify your doctors are in-network before enrolling in any plan.
What's the real cost of $0 premium plans in Puerto Rico?
42 plans (98% of available options) in Puerto Rico charge $0 beyond the standard Part B premium. This high percentage reflects strong insurer competition in the area. However, $0 premium doesn't mean $0 cost. These plans may have higher copays, coinsurance, or out-of-pocket maximums. In Puerto Rico, maximum out-of-pocket limits range from $3,250 to an average of $3,538. We recommend calculating your total expected annual cost (premium + copays + drug costs) rather than choosing based on premium alone.
How does the 2026 $2,000 drug cap affect Puerto Rico beneficiaries?
The Inflation Reduction Act capped annual out-of-pocket drug spending at $2,000 starting in 2025, eliminating the old "donut hole" coverage gap. This applies to all 3 standalone Part D plans in Puerto Rico.
What this means locally:
- Cost predictability — No matter which of the 3 Part D plans you choose, your drug costs are capped at $2,000/year
- Deductible — The 2026 maximum Part D deductible is $590
While the out-of-pocket cap standardizes maximum costs, formulary coverage still varies significantly between plans. A drug that costs $5/month on one plan's formulary might cost $50 on another. Always check that your specific medications are covered and compare tier placement before enrolling.
See all Medicare FAQs in our complete guide → · Enrollment checklist →
Medicare Glossary · Enrollment Dates & Deadlines · Doctor Questions
About the Data & Editorial Team
Wes Ward
Founder & Data Lead
Wes Ward is the founder of InsuranceDataNow.org and reviews all content for data accuracy and methodology compliance.
With 25+ years in data analytics — including work with highly regulated genomic data at Ancestry.com — Wes brings enterprise-level rigor to consumer data tools. He is also a co-founder of BestNeighborhood.org, CrimeGrade.org, and ISPReports.org.
Role: Reviews and approves all content for data accuracy, source verification, and methodology compliance.
Transparency & Disclosures
InsuranceDataNow is an advertising-supported publisher based in South Jordan, Utah. We are not affiliated with or endorsed by Medicare or the U.S. government.
TPMO Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (24 hours a day/7 days a week) to get information on all of your options.
Sources
- CMS Medicare Plan Finder Data (Part C & D): cms.gov
- CMS Provider Directory: Hospital and pharmacy data from data.cms.gov
- American Community Survey: Demographic data from census.gov
- FCC Broadband Map: Internet availability data from broadbandmap.fcc.gov
- ISP Reports: Internet provider coverage for Puerto Rico from ispreports.org
- Telehealth.HHS.gov: Official telehealth guidance from U.S. Dept. of Health & Human Services
- BestNeighborhood.org: Community demographic profiles for Puerto Rico from bestneighborhood.org
All data is sourced from official government databases and trusted third-party providers. Data is updated regularly—see page header for last refresh dates.