2026 Medicare Advantage plans in Arecibo, PR
22 plans open to everyone with Medicare, 19 Special Needs Plans and 3 stand-alone drug plans. Sorted by star rating, then premium.
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Medicare Advantage plans
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| MCS Classicare Patriot (HMO)MCS Classicare · H5577-016-0 · HMO | $0 | $3,400 | no drug coverage | ★★★★★ 5.0 |
| MCS Classicare Excede (HMO)MCS Classicare · H5577-056-1 · HMO | $0 | $3,400 | $0 | ★★★★★ 5.0 |
| MCS Classicare Essential (HMO-POS)MCS Classicare · H5577-008-0 · HMO-POS | $0 | $3,400 | $0 | ★★★★★ 5.0 |
| MCS Classicare Efectivo (HMO)MCS Classicare · H5577-005-0 · HMO | $0 | $3,400 | $0 | ★★★★★ 5.0 |
| MCS Classicare Firme (HMO)MCS Classicare · H5577-042-0 · HMO | $0 | $3,400 | $0 | ★★★★★ 5.0 |
| MCS Classicare En Tu Hogar (HMO)MCS Classicare · H5577-043-0 · HMO | $0 | $3,400 | $0 | ★★★★★ 5.0 |
| MMM Balance (HMO-POS)Medicare y Mucho Mas (MMM) · H4004-073-1 · HMO-POS | $0 | $3,250 | $0 | ★★★★★ 5.0 |
| MCS Classicare Hero (HMO)MCS Classicare · H5577-044-0 · HMO | $0 | $3,400 | $0 | ★★★★★ 5.0 |
| MMM Mega Flex (HMO-POS)Medicare y Mucho Mas (MMM) · H4004-071-0 · HMO-POS | $0 | $3,250 | $0 | ★★★★★ 5.0 |
| MMM Grandioso (HMO-POS)Medicare y Mucho Mas (MMM) · H4004-070-0 · HMO-POS | $0 | $3,250 | $0 | ★★★★★ 5.0 |
| MCS Classicare InteliCare (HMO)MCS Classicare · H5577-052-0 · HMO | $0 | $3,400 | $0 | ★★★★★ 5.0 |
| MMM Valioso (HMO-POS)Medicare y Mucho Mas (MMM) · H4004-066-0 · HMO-POS | $0 | $3,250 | $0 | ★★★★★ 5.0 |
| MMM Plenitud (HMO-POS)Medicare y Mucho Mas (MMM) · H4004-065-0 · HMO-POS | $0 | $3,250 | $0 | ★★★★★ 5.0 |
| PMC Max (HMO-POS)Medicare y Mucho Mas (MMM) · H4004-056-0 · HMO-POS | $0 | $3,250 | $0 | ★★★★★ 5.0 |
| MCS Classicare RxMax (HMO)MCS Classicare · H5577-059-0 · HMO | $0 | $3,400 | $0 | ★★★★★ 5.0 |
| MMM Deluxe (HMO-POS)Medicare y Mucho Mas (MMM) · H4003-055-0 · HMO-POS | $0 | $3,250 | $0 | ★★★★★ 5.0 |
| MMM Elite (HMO-POS)Medicare y Mucho Mas (MMM) · H4003-034-0 · HMO-POS | $0 | $3,250 | $0 | ★★★★★ 5.0 |
| MMM Unico (HMO-POS)Medicare y Mucho Mas (MMM) · H4003-019-0 · HMO-POS | $15 | $3,250 | $0 | ★★★★★ 5.0 |
| Ahorro Plus (HMO)Triple S Advantage · H5774-047-1 · HMO | $0 | $4,200 | $0 | ★★★★½ 4.5 |
| Brillante (HMO-POS)Triple S Advantage · H5774-031-0 · HMO-POS | $0 | $4,200 | $0 | ★★★★½ 4.5 |
| Enlace Plus (HMO)Triple S Advantage · H5774-038-0 · HMO | $0 | $4,200 | $0 | ★★★★½ 4.5 |
| Óptimo Plus (PPO)Triple-S Advantage · H4005-004-0 · PPO | $0 | $6,751 | $0 | ★★★½ 3.5 |
Special Needs Plans
Only for people who have both Medicare and Medicaid, live in an institution, or have certain chronic conditions.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| MCS Classicare Platino 185 (HMO D-SNP)MCS Classicare · H5577-062-0 · HMO D-SNP | $0 | $3,400 | $615 | ★★★★★ 5.0 |
| MMM Supremo (HMO C-SNP)Medicare y Mucho Mas (MMM) · H4003-009-0 · HMO C-SNP | $0 | $3,250 | $0 | ★★★★★ 5.0 |
| MMM Diamante Platino (HMO D-SNP)Medicare y Mucho Mas (MMM) · H4003-017-0 · HMO D-SNP | $0 | $3,250 | $615 | ★★★★★ 5.0 |
| MMM Dorado Platino (HMO D-SNP)Medicare y Mucho Mas (MMM) · H4003-058-0 · HMO D-SNP | $0 | $3,250 | $615 | ★★★★★ 5.0 |
| MCS Classicare Platino Progreso (HMO D-SNP)MCS Classicare · H5577-017-0 · HMO D-SNP | $0 | $3,400 | $615 | ★★★★★ 5.0 |
| PMC Premier Platino (HMO D-SNP)Medicare y Mucho Mas (MMM) · H4004-048-0 · HMO D-SNP | $0 | $3,250 | $615 | ★★★★★ 5.0 |
| MMM Combo Platino (HMO D-SNP)Medicare y Mucho Mas (MMM) · H4004-068-0 · HMO D-SNP | $0 | $3,250 | $615 | ★★★★★ 5.0 |
| MCS Classicare Platino Maximo (HMO D-SNP)MCS Classicare · H5577-054-1 · HMO D-SNP | $0 | $3,400 | $615 | ★★★★★ 5.0 |
| MMM Flexi Platino (HMO D-SNP)Medicare y Mucho Mas (MMM) · H4004-069-0 · HMO D-SNP | $0 | $3,250 | $615 | ★★★★★ 5.0 |
| MCS Classicare Platino Total (HMO D-SNP)MCS Classicare · H5577-046-0 · HMO D-SNP | $0 | $3,400 | $615 | ★★★★★ 5.0 |
| MMM Relax Platino (HMO D-SNP)Medicare y Mucho Mas (MMM) · H4004-072-1 · HMO D-SNP | $0 | $3,250 | $615 | ★★★★★ 5.0 |
| MCS Classicare Platino Ideal (HMO D-SNP)MCS Classicare · H5577-002-0 · HMO D-SNP | $0 | $3,400 | $615 | ★★★★★ 5.0 |
| MCS Classicare Primero (HMO C-SNP)MCS Classicare · H5577-038-0 · HMO C-SNP | $0 | $3,400 | $0 | ★★★★★ 5.0 |
| Contigo Plus (HMO C-SNP)Triple S Advantage · H5774-022-0 · HMO C-SNP | $0 | $4,200 | $0 | ★★★★½ 4.5 |
| Platino Blindao (HMO D-SNP)Triple S Advantage · H5774-028-0 · HMO D-SNP | $0 | $3,650 | $615 | ★★★★½ 4.5 |
| Platino Enlace (HMO D-SNP)Triple S Advantage · H5774-035-0 · HMO D-SNP | $0 | $3,650 | $615 | ★★★★½ 4.5 |
| PLATINO ADVANCE (HMO D-SNP)Triple S Advantage · H5774-041-1 · HMO D-SNP | $0 | $3,650 | $615 | ★★★★½ 4.5 |
| PLATINO PLUS (HMO D-SNP)Triple S Advantage · H5774-043-1 · HMO D-SNP | $0 | $3,650 | $615 | ★★★★½ 4.5 |
| ContigoEnMente (HMO C-SNP)Triple S Advantage · H5774-046-0 · HMO C-SNP | $0 | $4,200 | $0 | ★★★★½ 4.5 |
Prescription drug plans (Part D)
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| HealthSpring Extra Rx (PDP)HealthSpring · S5617-385-0 · Part D | $50 | – | $615 | ★★½ 2.5Part D rating |
| HealthSpring Assurance Rx (PDP)HealthSpring · S5617-348-0 · Part D | $65.70 | – | $615 | ★★½ 2.5Part D rating |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5820-037-0 · Part D | $145.10 | – | $615 | ★★★ 3.0Part D rating |
Questions and answers
How many Medicare Advantage plans are available in Arecibo, PR for 2026?
41 Medicare Advantage and Special Needs plans are offered in Arecibo, PR for 2026, plus 3 stand-alone Part D prescription drug plans available statewide.
Are there $0 premium Medicare Advantage plans in Arecibo, PR?
Yes – 20 plans open to everyone with Medicare charge no monthly plan premium (you still pay the Part B premium).
Which plans in Arecibo, PR have the highest star ratings?
MCS Classicare Patriot (HMO) (5.0 stars); MCS Classicare Excede (HMO) (5.0 stars); MCS Classicare Essential (HMO-POS) (5.0 stars); MCS Classicare Efectivo (HMO) (5.0 stars).